Real estate mortgage loan process:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank in person;

4. Bank filing and approval;

5. After the approval of the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank will directly transfer the loan to the account agreed in the contract;

10. The borrower repays the principal and interest according to the loan contract.

Extended data:

Housing mortgage loan procedure

1. loan application: the borrower submits the purpose, amount and time of the loan to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Preparation of loan materials: If it is a personal mortgage loan, you need to provide your and your spouse's ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate and house ownership certificate.

If the enterprise needs to mortgage the real estate, the materials to be provided include: three business licenses, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the past six months, financial statements of last year, financial statements of the past six months and asset certificates.

3. House inspection and appraisal: After the bank submits the above materials, it will conduct on-the-spot investigation and appraisal of the mortgaged property according to the submitted materials. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of real estate mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.

4. Loan approval: submit all loan approval materials, evaluation reports or evaluation opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information. If anything is omitted, it will affect the loan progress.

5. Notarization of loan contract: the borrower-level mortgagor fills in the loan contract and all relevant documents, signs it and prints it, and the notary will notarize it.

6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures at the property right office with the house ownership certificate and notarized loan contract.

Baidu encyclopedia-housing mortgage loan