1, when making a full mortgage loan, the borrower must fill in the Application for Mortgage of Residential Houses and submit to the bank credit materials such as fixed income certificate, guarantor's business license and legal person certificate issued by the unit.

2. Legal and valid identification and the first step of mortgaging all property in accordance with relevant laws.

3. The full mortgage loan is subject to the bank loan process, and the bank will review the borrower's loan contract, house purchase contract, agreement and other related materials. The borrower shall hand over the title certificate and insurance policy of the securities or mortgaged property to the bank for safekeeping. The two sides signed a real estate mortgage loan contract and notarized it legally.

4. After the loan contract is signed and notarized according to law, the bank will transfer the borrower's deposits and loans to the seller or the construction unit specified in the purchase contract or agreement.

5. There are restrictions on handling loans, and they need to be over 65,438+08. Full mortgage loan requires a natural person with full civil capacity, unstable professional income, poor credit, no repayment ability and other personal credit restrictions. Many people want to get a high loan, but you must have the corresponding income to match. If your personal credit has a bad record, there is also the risk of rejection.

Pat in France specializes in real estate transfer.