The loan process for purchasing a new house is as follows:

1, sign a house sales contract with the developer first;

2. Information provided according to the requirements of the developer: copies of household registration certificate, ID card and marriage certificate issued by the employer, and income certificate stamped with the company's fresh seal (bank income certificate format signed by the developer) shall be submitted to the developer for handling;

3. After the approval of the bank, notify the bank to sign relevant contracts.

The materials to be provided are:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

The loan conditions are:

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. When the loan expires, the man is not over 60 years old and the woman is not over 55 years old;

3. Have a stable and legal occupation and income source, and have the ability to repay the principal and interest.

Second, what is the process of new house mortgage loan?

Generally speaking, the process of new house mortgage loan is mainly like this:

1. Sign the Commodity House Sales Contract with the housing developer.

2. Pay the down payment to the housing developer, and the developer will pay the down payment.

3. Pay the maintenance fund to the real estate trading market with the Commodity House Sales Contract, and collect the stamp duty of the maintenance fund.

4. Go to the bank for personal housing loan with relevant procedures.

5, after the approval of the bank, signed a personal housing (mortgage) loan contract.

6. The bank handles the mortgage registration of pre-purchased commercial housing.

7. After the pre-mortgage registration formalities are returned, the bank will lend money.

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The main process is as follows: Step 1: The borrower applies for individual housing mortgage loan, fills in the loan application approval form, and submits relevant materials to the loan bank; Step 2: As the loan guarantor, the developer signs and seals the "Guarantor's Opinion" column of the loan application approval form; Step 3: the loan officer of the loan bank will review all the materials and documents submitted by the loan applicant and approve them step by step; The last step: the loan bank takes back the completed materials and issues loans according to the legally effective loan contract. I hope my answer can help you.

3. What is the process of new house loan?

Housing mortgage loan process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;

3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;

Verb (abbreviation of verb) mortgage flow chart

Consultation → Apply for a loan (house buyer) → Review (provide information) → Sign a loan contract and a mortgage contract (bank) → Apply for contract notarization (notary office) → Apply for relevant insurance (insurance company) → Apply for mortgage registration (real estate registration office) → Issue a loan (obtain mortgage certificate) → Repay by the borrower → Cancel the registration of the mortgaged property (all loans are paid off).