The process of applying for mortgage loan
1. Buyers who apply for mortgage loans, after confirming that the property they choose has bank mortgage support, should learn about the bank's regulations on mortgage loan support for buyers from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form.
2. The bank that signed the house purchase contract receives the relevant legal documents of mortgage application submitted by the house buyer, and after examining and confirming that the house buyer meets the mortgage loan conditions, it sends the loan consent notice or mortgage loan commitment letter to the house buyer, so that the house buyer can sign the pre-sale and sales contract of commercial housing with the developer or its agent.
3. After signing the house purchase contract and obtaining the payment voucher, the buyer will sign the Building Mortgage Loan Contract with the developer and the bank with the relevant legal documents stipulated by the bank to clarify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
4, mortgage registration, insured buyers, developers and banks with the "building mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration.
5. After signing the building mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.
Note: After the bank confirms that the buyer meets the mortgage loan conditions, fulfills the obligations stipulated in the Building Mortgage Loan Contract and goes through the relevant formalities, the bank will transfer the loan to the bank supervision account opened by the developer as the buyer's purchase price.
Extended data:
I. Application materials for housing mortgage loan
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required).
2. Original purchase agreement
3. Original and photocopy of advance payment receipt for 30% or more of the house price 1 copy.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Second, the housing mortgage loan conditions
1, with legal identity.
2. Have a stable income, good credit and the ability to repay the principal and interest of the loan.
3. There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.
4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and guarantee to pay the down payment of the purchased (overhaul) housing.
5. There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
Baidu encyclopedia-mortgage loan
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