How to get a new house loan process?
First of all, the borrower needs to bring his identity certificate and relevant information of loan application to the bank to find the credit manager. Check whether your personal credit information meets the loan processing conditions. In this process, the bank will review all aspects of the borrower and then determine the loan amount according to the actual situation of the loan.
After confirming that he meets the requirements of bank loan application, the borrower needs to sign a house pre-sale contract with the real estate developer, submit the loan application materials and wait for the approval of the bank. Bank approval takes about 1 month, during which there will be face-to-face signing and telephone return visit, and borrowers should pay attention to answering the phone at any time.
In addition, we need to remind everyone that borrowers can choose three ways from mortgage loans, namely commercial loans, provident fund loans and portfolio loans. The borrower can choose one of them according to his own situation and economic strength. If he is married, both husband and wife need to be present together when signing the loan agreement.
After the mortgage application is successfully passed, it is the last step. After verification by the relevant departments, the bank approves the loan. After the developer gets the house payment, the borrower only needs to repay the house on a monthly basis, and the loan purchase process ends here.
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