2 apply. Bring relevant materials to the bank to apply for a loan and fill out the application form on the spot.
③ Loan review. After the bank gets the relevant materials, it will conduct a preliminary review to confirm the amount, loan term and interest rate.
(4) sign a contract. If the loan applicant's loan is approved, he can sign a formal loan contract with the bank.
(5) apply for a guarantee. The loan applicant should go through the mortgage formalities as soon as possible and register the house mortgage.
⑥ Bank-to-loan. After all the formalities are completed, the bank will transfer the loan as soon as possible and the money will be transferred to the director's account.
What are the conditions for buying a house loan?
(1) It has legitimate economic income, sufficient ability to repay the principal and interest of the loan, reliable and effective purchase and overhaul contracts and agreements, as well as certification materials stipulated by the bank, and its own funds of more than 30% of the total price of the purchased house, which will be used to pay the down payment of the purchased house.
(2) There are articles of association approved by the bank for mortgage, or legal persons and other economic organizations with sufficient compensation capacity as guarantors.
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