Banks need the following procedures to handle mortgage loans:
1, preparation materials:
ID card (original), household registration book (original), marriage certificate (original) (single person does not need to prepare), bank flow in the past six months, social security card (which can better help the lender to obtain loans), and proof of work income (bank-specified format, company official seal).
2. Buy real estate:
If the property supports bank mortgage business, the sales office will generally have bank staff to handle or contact the developer to apply for loan business and submit information.
3. Pending preliminary review:
The general sales office will have a special person in charge to conduct a preliminary review of the materials to verify whether they are comprehensive and conform to the regulations, and the lender can cooperate with the preparation of the materials or confirm them.
4. Waiting for review:
After the bank receives the application from the buyers, it will arrange the Commissioner to conduct telephone audit and investigate the real situation.
5. Bank results:
After the approval of the bank is clear, the lender passes the approval, and the bank issues the mortgage loan agreement and other related documents. If it fails to pass the approval, the loan will fail. You can apply again after checking the reason and solving the problem.
6. Sign a contract:
After obtaining the consent of the bank, the lender will sign a house purchase contract with the developer with relevant information, and the developer needs to prepare relevant documents (real estate license, etc.). ) and hand it over to the bank for safekeeping.
7. Loan and account opening repayment:
After verification, the bank will transfer the loan amount to the cooperative account with the developer, and designate the lender to open a special repayment account, sign an authorization agreement and make repayment.