Pay the down payment before applying for a loan. Whether buying a second-hand house or a new house, if you apply for a mortgage to buy a house, you need to pay a down payment and sign a house purchase contract before you can apply for a loan in the bank, otherwise you can't handle it.

Housing mortgage loan process

1. The project sales team signs a pre-sale (on-sale) sales contract for commercial housing with the purchaser, and pays the required down payment according to the contract requirements;

2. In fact, within 5 days from the date of signing the commercial housing sales contract, you should apply for contract registration in the core market of real estate transactions.

3. In fact, within seven days from the date of voluntary payment, the purchaser will provide information that meets the requirements of the mortgage bank and directly apply to the company's cooperative bank. Specifically, it includes: house sales contract (registration), house payment receipt, ID card, marriage certificate, income certificate and other materials that the bank considers necessary.

4. The lender shall investigate and review all aspects and procedures of the purchaser, and handle the preliminary procedures with the purchaser who meets the basic conditions (including the purchaser's wife), including loan application, repayment form, commitment letter, conversation record, loan contract, IOU, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval.

5. In fact, the application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.

Mortgaged house refers to the commercial house purchased by the last family through mortgage and the loan has not been paid off. The main feature of a mortgaged house is that the property right of the house is mortgaged to the bank, and the property owner may not sell the house without authorization. Mortgage: There are two forms: legal mortgage and legitimate mortgage. Legal mortgage: refers to the transfer of existing real estate to the mortgagee as repayment guarantee; A pledge is to transfer the future real estate to the mortgagee as a repayment guarantee.