Then take the spare parts such as the Housing Authority agreement to the Housing Authority for transfer and tax payment, then go to the Housing Authority to get his right certificate to the bank for mortgage in 7 working days, and then get the house book after 7 working days.
When signing a mortgage in person, the bank mainly reviews the following points:
The prerequisite for judging repayment ability-marital status.
Proof of repayment ability-proof of income, bank flow.
A stable job-a copy of the company's business license.
Determine the loan amount and interest rate-the existing housing situation.
Personal credit label-credit report.
Necessary materials for face-to-face signing of mortgage bank:
Bring valid ID cards and other materials to the bank.
The loan officer examines the materials (asking the borrower about the loan demand and personal situation according to the materials provided).
If the materials are not uniform, they shall be filled within the agreed time.
Face-to-face mortgage is actually an evaluation process of the comprehensive situation of borrowers by banks. Everyone must provide real and effective loan materials. If it is fraudulent loans, it will directly affect the next loan approval, and serious cases will be suspected of fraudulent loans. ?