1. The borrower consults before lending, fills in the Residential House Mortgage Application Form and provides relevant application materials.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3, the borrower will mortgage property ownership certificate and insurance policy or securities to the bank custody.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
Extended data:
I. Loan conditions
1, living conditions
It has legal and valid identity certificate and residence certificate of the lender's location, and has a fixed residence.
2. Main requirements
Approved by the administrative department for industry and commerce and other competent departments, registered in accordance with the law, holding a legal and valid business license or production and operation license or other valid business certificates.
3. Fuck oak parts
It has fixed property, good production and operation conditions, stable operating income and the ability to repay the principal and interest of the loan at maturity.
4. Running time
The business entity must be located in a loan bank and have been in business for more than 2 years.
5. collateral requirements
Need two houses. Operating in the location of the loan bank and having a house, operating a house in the location of the loan bank for mortgage, and operating in the location of the loan bank requires two houses in the location of the loan bank.
Second, the loan application materials
1. ID card, household registration book, marriage certificate and income certificate of both husband and wife of the borrower.
2. Identity cards, household registration books and marriage certificates of the mortgagor and his wife.
3. Proof of mortgage of real estate license, land certificate, deed certificate and * * * certificate.
4. Business license, tax registration certificate, articles of association, official seal, annual report of the previous year, quarterly report of the previous quarter, monthly report of the previous month, legal person statement of the bank where the account is opened (within three months), purchase and sale contracts of related products, etc.
5. Other property certificates of the borrower's family, real estate license or purchase contract, automobile driving license, statement of stock or capital account, statement of bank account, house lease contract, etc.
Baidu encyclopedia-bank loan
Baidu Encyclopedia-Bank of Ningbo