The mortgage loan process is as follows:

1. application

The borrower applies for a loan from the bank and prepares the loan information as required.

Step 2 Submit information

Submit loan information to the bank, including my valid ID card, income certificate, work certificate, real estate license, etc.

3. Housing assessment

The appraisal company designated by the bank conducts on-the-spot investigation and appraisal of the mortgaged house.

4. Submit the evaluation report

Appraisal companies submit appraisal reports to banks.

5. Sign a loan contract

If the borrower's qualification and mortgaged house meet the loan requirements, both parties shall sign a loan contract.

6. Bank audit

The bank will review the borrower according to the information submitted by the borrower and the borrower's own qualifications, and will make a verification call for review.

7. The next batch of loan letters from the bank

After approval, the bank will issue a loan letter to confirm that the loan can be made.

8. Mortgage registration

The bank shall go through the mortgage registration formalities at the Housing Authority with the property right certificate and loan contract.

9. About branch lines

The branch company applied to the head office for quota.

10, bank loan

After all the formalities are completed, the bank can issue loans to borrowers.

Application materials:

1, real estate license (the real estate license and land certificate in mortgage bank loans must be mortgaged to the bank);

2. Identity cards of the obligee and his spouse;

3. Household register of the obligee and spouse;

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);

5. proof of income;

6. If the owner of the real estate license has minor children, please provide a birth certificate;

7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;

8. In order to improve the pass rate of mortgage loan, please provide other family property certificates as far as possible.