The specific process of mortgage loan handling
1, determine the lending bank.
Before the borrower applies for a loan, the bank needs to review the property that intends to provide personal housing loans. The operation process of real estate audit is: developer application → project inspection → examination and approval → signing project cooperation agreement → post-loan supervision.
2. Apply for loans and submit materials.
The purchaser shall, within seven days from the date of voluntary payment, provide materials that meet the requirements of the mortgage bank, directly apply to the developer cooperative bank for mortgage loan, and fill in the application form for mortgage loan.
3. Bank acceptance and review.
After receiving the materials, the bank will investigate the authenticity of the materials and the borrower's ability to repay the principal and interest of the loan to determine whether to lend, the amount and duration of the loan. The main contents of the review include: the authenticity of the purchase behavior, whether the house price is reasonable, the borrower's ability to repay the loan principal and interest, and whether the mortgage guarantee is sufficient and effective.
4. Sign a loan contract.
After review by the loan review department, the loan amount and duration can be proposed, and individual housing loan contracts can be signed with borrowers and developers, which can be directly reported to the authorized approver for approval.
5 mortgage (pledge) registration, insurance, notarization and other procedures.
6. Bank approval and loans. After the borrower has gone through the formalities of home insurance, notarization and mortgage pre-registration, the bank can issue loans.
7. Repay on schedule. In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card every month, the loan bank will automatically deduct it from the borrower's account and settle it all at maturity.
8. After repayment, the mortgage registration shall be cancelled.