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Submit the ID card, household registration book, marriage certificate, house purchase contract, down payment, income certificate and other materials required by the loan bank to the law firm designated by the bank.
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Lawyers conduct preliminary examination on the materials of loan applicants, issue legal opinions and credit certificates to banks, evaluate the identity and credit status of loan applicants, and collect relevant fees.
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Go to the bank counter to buy insurance and pay the home insurance fee in one lump sum.
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The bank examines the credit information of the loan applicant.
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After the examination and approval, the lawyer will arrange to sign a personal housing loan contract, a guarantee contract, a power of attorney for entrusted transfer and other legal documents with the loan applicant, and open a special account for personal housing loan. Lawyers are responsible for reviewing signed legal documents.
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Banks sign loan contracts and other materials and submit them to developers and borrowers, and the loan funds are transferred to the developer's account.
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The borrower shall repay the loan on time in accordance with the prescribed repayment method.
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The borrower pays off the loan principal and interest, cancels the mortgage and guarantee contract, and takes back the relevant mortgage certification materials.