Whether the Bank of Communications has a grace period for repayment after handling the mortgage is different in each region. Generally speaking, there will be a three-day grace period. It is recommended to contact bank customer service.

The loan process is as follows:

1. The borrower holds the above materials and goes to Bank of Communications to fill out the application form;

2, Bank of Communications staff review materials, and investigate the borrower's credit, guarantee, etc. , and inform the loan approval results;

3. After the borrower is approved, the Bank of Communications will sign a loan contract with the borrower and go through the mortgage registration procedures;

4. After going through the relevant formalities, the Bank of Communications will issue the loan to the borrower after confirming the audit.

Application materials:

(1) personal loan application form;

(2) Identification certificates of the borrower and spouse (resident ID card, passport, household registration book, etc.). ) and marriage certificate;

(3) Pre-sale contract or sales contract of commercial housing;

(4) proof of down payment;

(5) Proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). );

(6) mortgage certification documents;

(seven) other information required by the bank.