I am about to sign a mortgage contract with the bank. Does that mean my mortgage has been approved?

No.

The signed loan contract only proves the true existence of the transaction between the buyer and the seller. The bank must review and approve the authenticity of all documents, and then review and approve the buyer’s loan qualifications and house purchase qualifications. Generally, an approval result will be issued in about a week. After approval, the buyer and seller go to the Real Estate Bureau to go through the transfer procedures. After the transfer, the bank will release the money to the seller within a specified time. I applied for a mortgage at a bank. After paying off the mortgage for five years, do I still need to sign a mortgage contract?

No, the loan has already mortgaged your property. Regarding the mortgage loan, does signing the contract with the bank mean that it has been approved?

It does not mean that it has been approved. He has to pass the first and second trials before he can lend money.

Your contract should have it in it? Please read the contract carefully! The sales department will inform you whether the mortgage has been approved after signing the formal contract

First, whether the developer’s five certificates are complete is a necessary condition for the cooperation between the developer and the bank.

Second, developers usually concentrate their time on loan processing. Maybe the work hasn't started yet.

Third, it will take time to determine whether the developer's cooperative bank has not been finalized.

It is recommended to ask the developer whether the five certificates and related procedures are complete, the developer's financial strength, credibility, etc. If there are no problems, it will increase your confidence and applying for a loan is only a matter of time. Just wait patiently. When CITIC Bank asked me to sign a car loan contract, did I pass the review?

Yes

Generally, the contract is signed only after the loan is approved

Please accept the answer if you are satisfied ! Is the off-plan mortgage loan subject to a contract mortgage?

When applying for a mortgage loan for home purchase, the bank usually returns the property ownership certificate to the lender after handling the other rights.

The bank process for mortgage loans is as follows:

Sign a bank loan contract;

The bank will release the loan after approval;

The bank will obtain the property ownership certificate Go to the housing authority to handle other matters;

Return the property ownership certificate to the lender; Today I received a call from the bank asking me to take the purchase invoice to the real estate bureau to make a mortgage notice. Does this mean that the bank has passed my review? ?

Yes, as long as you cooperate with the process. Vehicle Mortgage Contract Will the mortgage contract take effect if you press your thumbprint?

If you sign, stamp or press your thumbprint on the contract, it will take effect. If the mortgage is approved and then pre-mortgaged, there will be no credit check again

A mortgage loan refers to a residential or commercial property purchased by an individual that has a property ownership certificate and can be traded in the market. When renting a house, you pay a certain percentage of the down payment yourself, and use the property you want to purchase as collateral to apply for a loan from a cooperative institution.

1. Information required to apply for a mortgage loan:

1. Original and 3 copies of ID cards and household registration of the applicant and spouse (if the applicant and spouse do not belong to the same Those with household registration must also attach proof of marriage);

2. Original house purchase agreement;

3. Original and one copy of the prepayment receipt for house price RMB 30 or more;

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4. Documents proving the applicant’s family income and relevant assets, including salary slips, personal income tax returns, income certificates issued by the unit, bank deposit certificates, etc.;

5. Developer’s 1 copy of the payment account number.

2. Mortgage loan conditions:

1. Aged between 18 and 65 years old, with full capacity for civil conduct;

2. Pay the down payment in full House purchase money;

3. Have stable legal income and the ability to repay interest;

4. The borrower agrees to use the purchased house and its equity as collateral;

5. The property rights of the purchased second-hand house are clear and meet the conditions stipulated by the local government for entering the real estate market;

6. The purchased house is not within the scope of the demolition announcement;

7. Other conditions required by the lending bank.

3. Mortgage loan process:

1. The lender prepares relevant information, fills out the loan application at the bank, and submits the materials;

2. The lending bank After receiving the application, the information will be confirmed and reviewed;

3. After review, the lending bank will contact the lender and sign the relevant contract;

4. The bank will grant the loan and the lender will fulfill the repayment responsibility. After the bank has approved the mortgage loan, what procedures do you need to go to the Land and Resources Bureau to apply for a mortgage registration receipt? Do you need to use the bank’s mortgage contract?

In the case of no loan:

1. First of all, you need to go to the Housing Authority to print out a standard commercial housing purchase and sale agreement (both parties).

2. Check the documents (the seller will bring his ID card).

3. Tax filing (both parties).

4. Submit the documents (that is, take the tax return receipt and the documents in your hand).

Wait 3-5 working days to receive the new real estate certificate (receipt receipt after delivery).

5. Take the new real estate certificate to the local land bureau to apply for a new land certificate.

If the buyer needs a loan:

It must first wait for the bank's assessment and approval before the transfer can be completed. The following procedures are the same as above.

If the seller has a mortgage loan:

The transfer can only be done after the seller’s mortgage bank cancels the transaction. The subsequent procedures are the same as above.