1. The borrower first fills in the Application for Housing Mortgage and submits the following supporting materials to the bank;
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
5. After the loan contract is signed and notarized, the bank will transfer the borrower's deposits and loans to the house selling unit or building unit specified in the purchase contract or agreement, and the borrower will repay the loan on a monthly basis.
What information does the second-hand housing mortgage loan need?
1. The borrower first fills in the Application for Housing Mortgage and submits the following supporting materials to the bank;
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
5. After the loan contract is signed and notarized, the bank will transfer the borrower's deposits and loans to the house selling unit or building unit specified in the purchase contract or agreement, and the borrower will repay the loan on a monthly basis.
What are the conditions for mortgage loan?
(1) The loan conditions should consider the following aspects:
1. The qualifications of the borrower mainly include a stable income, a fixed job and legal collateral, such as a commercial house that can be listed and traded.
2. The bank entrusts the appraisal company to conduct appraisal, sign contracts, approve loans, mortgage real estate, notarize contracts and lend money.
(2) Generally speaking, property buyers can only get loans if they meet the following conditions:
1. The borrower must be an individual with independent civil capacity;
2. The purchaser has the legal identity certificate of the place of residence;
3. Sign a commercial housing purchase order or purchase agreement with the developer, and pay the down payment or deposit;
4. Agree to mortgage the purchased property;
5. The financial situation is satisfactory to the lending bank. For example, employees with stable income; Small business owners with good reputation and strong repayment ability; Residents with low income but regular support from overseas relatives and friends, and so on. How to define and grasp it specifically is decided by the loan bank.