Mortgage bank loan process
1 Submit an application for housing mortgage loan to the bank. The materials required for applying for housing mortgage loan include identity certificate, household registration book, marriage certificate, income certificate, real estate license and mortgage house evaluation report, loan purpose certificate and other materials specified by the bank;
Bank staff evaluate the mortgaged house and fill in the evaluation report after on-site evaluation;
3 The bank can sign a loan contract after reviewing the submitted materials and evaluation report again;
4 apply for mortgage registration; After signing the loan contract, it is not immediately possible to lend money. Lenders also need to register mortgage loans at the location of the house before they can lend money.
When signing a mortgage bank loan contract, we should pay attention to verifying the loan amount, interest rate, term, repayment method and other important matters in the contract. So as not to cause unnecessary trouble. Because once the contract is signed, it will take effect, that is to say, the applicant has agreed to the contents of the contract.