1. What materials should the loan lawyer submit to the loan bank for consultation? Due to the different requirements of loan banks, individuals need to provide different materials, but generally the following materials should be prepared:
ID card, temporary residence permit, marriage certificate (single person does not need it), education certificate, income certificate issued by the unit, business license of the unit, deposit or other large property certificate, down payment invoice and house purchase contract.
All the above materials are photocopies except the income certificate, but the originals need to be reviewed by lawyers. A copy of the business license of the unit shall be stamped with the official seal of the unit.
2. After providing personal materials according to the requirements of the mortgage lawyer, fill in the loan application form under the guidance of the lawyer.
3. conversation record, a mortgage lawyer. The lawyer introduces the rights and obligations of the applicant during the loan period and pays the lawyer a lawyer's fee of 4‰ of the loan amount.
4. The mortgage lawyer forms a legal opinion according to the applicant's materials and submits it to the loan bank.
5. After the approval of the loan bank, sign a house property insurance contract with the insurance company designated by the loan bank. The annual premium rate generally does not exceed eight ten thousandths of the house price. The insurance period is the same as the loan period, and the premium is paid in one lump sum.
6. Sign loan contracts, mortgage contracts and loan repayment entrustment contracts with loan banks.
7. After signing the loan contract with the bank, the loan bank will directly transfer the loan amount of the applicant to the developer. The developer is the one-time payment applicant, and the applicant asks the developer for the total house payment invoice.
After the above procedures, the applicant will get a personal housing loan approved by the bank, and you will pay all the house price, so you may have a house of your own.