Nowadays, when buying a house or a car, everyone will choose the loan method, which can appropriately reduce the economic pressure when buying. In the process of handling the loan, although there will be sales staff to help, the applicant must also know what to do. Then, how should the mortgage bank loan be handled? Let's have a brief look with Bian Xiao.

First, how to apply for mortgage bank loans?

1. Submit a loan application to the bank.

After choosing the house you like, the borrower needs to bring the house purchase contract, identity documents of all property owners, running water for half a year, work certificate (including position, monthly salary and official seal), personal credit report and household registration book to the bank to submit an application.

2. House evaluation

After submitting the relevant information to the bank, according to the regulations of the bank, it is necessary to investigate and evaluate the purchased property, which is a very important link in the process of deciding the loan, because the bank will review it according to the actual situation after the evaluation. If the value of the house itself is relatively high, the corresponding loan amount will be relatively high.

3. Apply for a loan.

After receiving the evaluation report, the bank will examine and approve it step by step. First, the accepting personnel submit the loan amount, and then the superior leaders review it according to the relevant materials. After approval, complete the loan application.

4. Sign a loan contract

After approval, the bank will notify the borrower to sign a loan contract with the bank. The property owner of the house must be present to sign and seal, and a notary is present before the contract can take effect.

5. Mortgage registration procedures

After signing the contract, the bank will inform the borrower to go to the local real estate trading center to apply for house mortgage. The materials that the borrower needs to carry include personal identity documents, loan contracts, real estate licenses, etc. After the approval of the real estate trading center, other warrants and real estate licenses will be directly handed over to the bank for safekeeping, and the borrower will return them after paying them off.

6. Bank loans

After receiving other warrants, the bank will directly transfer the loan fee to the seller's account. The specific house payment form is not fixed, so the owner can go to the corresponding bank to find out.

Editor's summary: The above is how to handle mortgage bank loans. I hope it helps you. If you want to know more, please follow Qijia. com。 .