After the buyer signs the house purchase contract and obtains the loan payment voucher, the bank will clarify the rights and obligations of the mortgage loan amount, term, interest rate, payment method and so on according to the relevant legal documents and the Mortgage Contract signed by the developer and the bank.

1. First, sign a house sales contract with the developer.

2. According to the materials that the developer needs to provide: household registration book, ID card and marriage certificate, the unit he copied and the company issued a new chapter to prove the income (the developer signed the bank's income certificate format) for the developer to handle;

3. After the bank approval notice is issued, the bank logo is complete.

Mortgage loan is a personal housing loan business in which buyers purchase houses as mortgage loans and real estate enterprises provide phased guarantees.

The mortgagor is most concerned about the conditions and procedures. First of all, mortgage loans need to provide information:

1. Original and photocopy of the ID cards of the applicant and his/her spouse (if the applicant and his/her spouse do not belong to the same account, the marriage certificate shall be attached).

2. Original purchase agreement.

3. 65,438+0 originals and 65,438 copies of the advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including salary, personal income tax bill, income certificate issued by the unit, bank time deposit certificate, etc.

5. The developer collects 1 account.