What is the process of housing loan

The process of applying for housing loan is as follows:

1. The borrower fills in the application for residential housing mortgage before lending, and submits the following supporting materials from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; A legally valid identity certificate of the borrower; Relevant certificates of housing ownership or proof that I have the right to control the housing in accordance with the law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of housing; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, house purchase contract, agreement and relevant materials.

3. The borrower submits the certificate of title and insurance policy or securities of the mortgaged property to the bank for custody.

4. Guarantors of both borrowers and borrowers 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 house selling unit or building unit specified in the house purchase contract or agreement.

6. loan settlement, which includes normal settlement and early settlement.

① normal settlement: the loan will be settled on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment);

② early settlement: before the maturity date of the loan, if the borrower settles the loan in part or in whole, he must apply to the bank in advance according to the loan contract, and the bank will make repayment at the designated accounting counter after approval.

What is the sub-process of buying a house with bank loan

The house prices in many cities are still very high. In order to buy the house they like, more and more buyers choose to borrow money from the bank to buy a house. Many buyers are applying for loans to buy a house for the first time, so it is not clear what the bank loan process is. So what are the procedures for bank loans to buy a house? Next, Xiaobian will simply introduce it to you.

1. First of all, we can go to several banks to learn about their housing loan conditions, what materials need to be prepared, loan amount, interest rate, preferential treatment and other information. You can choose a bank with more favorable housing loans to apply for loans to buy a house. Then we prepare the purchase contract, down payment voucher, ID card, income certificate and other related materials according to the requirements of the bank, and apply for housing loan at the bank's outlets.

2. The bank will review the applicant's information. After the bank's approval, the applicant needs to sign a loan contract with the bank and take out insurance. Because the bank takes risks as an example, it will require the lender to purchase life insurance and property insurance, and list the bank as the first beneficiary. Next, the applicant goes to the Housing Authority to handle the transfer formalities, register the mortgage of the house, and get other certificates and other related documents.

3. Finally, the applicant will hand over the other warrants to the loan bank, open a special repayment account in the bank and sign a power of attorney. After receiving the other warrants, the bank will lend money according to the contract. The applicant repays the principal and interest on time every month, and the insurance cannot be interrupted during the loan performance. After the loan is paid off, don't forget to cancel the mortgage registration and cancel the mortgage insurance.

xiaobian summary: where is the sub-process of buying a house with bank loans, xiaobian will simply introduce it here. I hope that after reading this article, everyone can understand this. When you buy a first-hand house with a loan, the buyer can hand over the loan application materials to the developer, who will help us handle the bank loan procedures.

I would like to ask what is the process of applying for a bank mortgage

The process of handling a bank house loan is as follows:

1. First, after the applicant chooses a good house, pay the down payment and sign a house purchase contract with the developer;

2. The applicant takes ID card, household registration book, house purchase contract and other related materials to the bank designated by the developer to collect and fill in the loan application form (generally, real estate developers have cooperative banks, which need to go to the designated bank to apply for mortgage, and some can choose their own banks);

3. After completing the application form, submit the application form and related materials to the bank staff;

4. The bank will review the submitted materials and application forms to confirm whether the applicant meets the requirements for applying for a house loan;

5. After approval, the applicant and the bank sign loan contracts and mortgage contracts, and go through mortgage registration and guarantee procedures;

6. Open an account for housing loan, and the bank will lend money, and then the applicant will make repayment through this account.