Step 1: Before applying for a loan, the borrower should find out whether the purchased building has a letter of commitment issued by the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank.

Step 2: Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form.

Step 3: loan bank: the loan officer will review all the materials and documents submitted by the loan applicant and approve them step by step.

Step 4: The loan bank takes back the completed materials and issues loans according to the legally effective loan contract.

Step 5: Property Right Registration Notary Office of Land and Resources Bureau: Go through the formalities of property right mortgage registration.

Step 6: Inform the developer to take back the loan contract, and the developer will issue a certificate to the loan bank to pay off the house payment.

Step 7: Inform the borrower to get back the loan contract, iou and insurance policy.

Step 8: The loan officer of the loan bank files the loan.

1. Invoice will be issued after the loan is approved, and deed tax will be paid, which is 65438+ 0.5% of the total house price.

2. Pay the maintenance fund before handling the real estate license. You can check with the local real estate bureau.

3. The handling fee of real estate license is around 300 yuan.

4. The entrance fee, which you paid before entering the house, is generally around 4,000 yuan if you don't make up the area payment. 5. Some loan banks or provident funds are guarantee companies and need to charge a guarantee fee, which is = total loan amount * loan period *0.8‰ (for reference only).