The loan process is generally carried out in accordance with the "first deposit and then mortgage" process. First, the housing access conditions for entering the real estate circulation market will be reviewed in accordance with relevant regulations. Ensure that the property rights of the house are clear and conform to the relevant provisions of the transaction.

legal ground

"Specific Measures for the Management of Commercial Loans for Second-hand Houses" Article 12 branches (branches) of banks shall, in accordance with the principle of "first access, then lending", conduct overall screening and access to the stock houses in the city or within their jurisdiction before handling the personal second-hand housing loan business, and access to the business source channels and guarantors. The sources of business, the access of the guarantor and the approval of the quota shall be implemented in accordance with the relevant provisions of the Measures for the Administration of the Approval of the Quota of Personal Housing Mortgage Loan Business Projects. (1) The basic standard for housing access is 1. The property rights are clear, the house ownership certificate can be listed and circulated, and there is no dispute over property rights and lease, which is not within the scope of municipal planning demolition, judicial freezing or seizure. 2. The house is located in the urban area where our bank has business outlets. It is a middle and high-grade residential area with good location, complete facilities and standardized property management; The business place must be located in an area with strong business atmosphere and be an independent compartment.