1. The general process for banks to handle housing loans: choosing a house-applying for a loan-filling in personal information and relevant forms-signing a loan contract-lending by banks. 2. The processing flow of bank mortgage is as follows: 1) The applicant submits the purchase information, pays the down payment, and signs the commercial housing sales contract; 2) The applicant submits a written application for individual first-hand housing loan and provides the above application materials; 3) The loan handling bank comprehensively evaluates the credit status and solvency of the applicant and guarantor, conducts pre-loan investigation and completes customer information verification; 4) After accepting the loan application, the loan handling bank shall conduct corresponding examination and approval; 5) After the loan application is approved, the borrower and the guarantor shall go through the relevant loan procedures within the specified time, and sign the relevant contract in person at the loan handling bank within the specified time to go through the formalities of using the money; 6) The borrower clearly stipulates the repayment method and repayment plan in the loan contract, and authorizes the lender to voluntarily deduct the loan principal and interest from the account designated by the borrower on the agreed repayment date. Please consult the local branch of Bank of China for details. 3. I went and brought complete information: 1) the original and photocopy of ID card, the original and photocopy of household registration book (collective accounts only need to provide my account page, and my account will bring the whole account), the original income certificate (issued by the company, which generally requires twice the monthly mortgage repayment), the salary card flow (in the last 6 months), and the credit report of the purchaser (printed on the bank self-service machine). Copy of sales contract, copy of deposit receipt (with new house or second-hand house paid deposit), proof of no house or proof of having a house (the bank may have different loan interest rates), and other conditions (according to the requirements of various cities, some need social security insurance certificate and proof of housing provident fund payment). You can call the bank that gives you the loan) 2) If the bank that you are going to lend doesn't have a bank card, you need to get a savings card (1 card) to prepare the down payment. At that time, the bank will ask you to pay the down payment with this card.

Second, the e-loan mortgage process of rural commercial banks?

The housing loan process of rural commercial banks is as follows: 1. The borrower needs to submit written documents to the housing management department when applying for housing mortgage loan, and the real estate appraisal agency will review the application materials submitted by the applicant.

2. After the borrower submits the written documents, the property (collateral) will be used as the pledge and handed over to the lender to open a current deposit account in the bank.

Three. The Lender shall go through relevant formalities at the entrusting bank. Four, the applicant to provide materials to the entrusted bank for the corresponding loan procedures.

Five, the borrower to apply for real estate mortgage loans need to submit written documents to the housing management department and send their information to the company or law firm to sign a loan contract.

3. What is the bank mortgage handling process?

The process of bank housing loan is as follows: 1. Prepare the required materials: house sales contract, marriage certificate, income certificate, household registration book, ID card, etc. Different banks have different regulations on specific materials. Applicants can call the bank's customer service hotline in advance for consultation. 2. The applicant brings the above materials to the bank to submit an application. 3. The bank shall examine the materials provided by the applicant, and at the same time examine the loan situation and personal credit information of the applicant. 4. After approval, the bank staff will determine the loan amount, interest rate and term according to the applicant's situation, and inform the applicant. 5. The applicant signs a contract with the bank, and the bank issues loans. 6. The applicant repays the loan on schedule.

Four, the bank for housing loans process

1. The general process for banks to handle housing loans: choose a good house-apply for a loan-fill in personal information and the bank will lend money.

2. The process of bank mortgage is as follows:

1) The applicant submits the money and signs the commercial housing sales contract;

2) The applicant submits a written application for individual first-hand housing loan.

3) The loan handling bank comprehensively evaluates the applicant and the guarantee, conducts pre-loan investigation and completes customer information verification;

4) After accepting the loan application, the loan handling bank shall conduct corresponding examination and approval;

5) After the loan application is approved, the borrower and the guarantor shall go through the relevant loan procedures within the specified time, and personally go to the loan handling bank to sign the relevant contract and handle the loan within the specified time.

6) The borrower clearly stipulates the repayment method and repayment plan in the loan contract, and authorizes the lender to voluntarily deduct the loan principal and interest from the account designated by the borrower on the agreed repayment date. Such as that local branch of the bank of China.

three

1) The original ID card and photocopy of the household registration book only need to provide the page of my household registration book, including the original ID card (issued by the company, which is generally required to be twice the monthly payment), the operating salary card (within the last six months), the credit report of the purchaser (printed on the self-service machine of the designated bank), and the copy of the sales contract (the bank may or may not require deposits at this loan interest rate, and some also need social security certificates and proof of payment of housing provident fund.

2) If the bank you are going to loan does not have a bank card, you need to apply for a savings card, and then the bank will ask you to pay the down payment with this card.