2. If it is approved by the bank, the lender needs to submit a copy of the real estate license and other information required by the bank, and then the bank will evaluate the price of the lender's property, and the loan amount depends on the real estate assessment price.
Next, we need to sign a series of contracts. At the same time, the lender needs to have a corresponding bank account, if not, it needs to be opened immediately.
4. Handle the mortgage registration of real estate license according to the requirements of relevant departments.
Finally, the bank will transfer the loan to your special account. At this time, the use process of real estate license loan is completed.
What materials do you need for a house loan?
1. Materials required for commercial loan: application for individual housing loan; Photocopy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents); The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank; Legal purchase contract, agreement and relevant approval documents; List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by the evaluation institution recognized by the loan bank; A written commitment issued by the guarantor agreeing to provide the guarantee and the guarantor's credit certificate; The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank; Relevant certificates of the borrower's self-raised house purchase funds; Housing sales (pre-sale) license or real estate title certificate (existing house) (copy); If the borrower's spouse and * * * apply for a loan, the loan application form shall also clearly fill in the relevant information of the spouse, and show the marriage certificate, household registration book, etc. Other documents and materials specified by the loan bank.
2. Materials required for provident fund loans: 4 copies of ID cards or other identification certificates of individuals and spouses applying for loans; Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widowed person must provide the death certificate of the other party); 4 copies of valid vouchers for payment of house purchase price; 4 copies of the income certificates of the borrower and spouse respectively; 4 originals of legal house purchase contract; The seal of the borrower and his spouse. The borrower's housing provident fund deposit certificate.