First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest. After the above procedures and formalities, you can get a new house through mortgage. Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will decide whether to release them.

1. What's the loan procedure?

1, a China citizen with civil capacity who has a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;

2. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;

3. There is no bad credit record, and the loan cannot be used for stock trading;

4. Provide personal identification and proof of repayment ability.

2. What are the terms of the loan?

1. The applicant is between 18 and 60 years old and has full capacity for civil conduct;

2. Applicants need to have good personal credit and no bad credit record;

3. Have legal residence status or permanent residence in the loan area;

4, have a stable job, legal income, with the ability to repay the loan principal and interest on schedule;

5. The purpose of the loan needs to meet the requirements of the bank, and the loan funds cannot be used for stock trading, house purchase and gambling;

6. Meet other conditions stipulated by the bank.

Third, the specific process of bank loans.

1. Apply for a loan from the bank;

2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;

3. Open a personal current deposit account and sign a loan contract;

4. Apply for real estate mortgage registration;

5. Bank loans.

legal ground

General principles of loans

Article 24

Restrictions on lenders:

1. Loans must be issued in strict accordance with the relevant provisions of Article 39 of the Law of People's Republic of China (PRC) Commercial Bank on the management of asset-liability ratio. Article 40 stipulates that the conditions for granting credit loans and loans guaranteed by related parties shall not be better than those of other borrowers.

Two, the borrower has one of the following circumstances, shall not issue loans:

(a) do not have the qualifications and conditions stipulated in Article 17 of Chapter IV of these General Rules;

(two) production, operation or investment in products and projects prohibited by the state;

(3) Violating the provisions of the State on foreign exchange control;

(four) the construction project has not obtained the approval documents, and shall be reported to the relevant departments for approval in accordance with the provisions of the state;

(five) the production, operation or investment projects have not obtained the permission of the environmental protection department;

(six) in the process of institutional changes such as contracting, leasing, joint venture, merger (merger), cooperation, division, paid transfer of property rights, and shareholding system reform. , the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided;

(seven) there are other serious illegal business practices.

Three, without the approval of the people's Bank of China, foreign currency loans may not be issued to natural persons.

Four, self loans and specific loans, in addition to the provisions of the people's Bank of China interest, shall not charge any other fees; Entrusted loans, in addition to the provisions of the people's Bank of China to collect fees, shall not charge any other fees.

Five, shall not advance funds to the client, unless otherwise stipulated by the state.

Six, strictly control credit loans, and actively promote secured loans.