1. Signing a sales contract: The borrower signs a house sales contract with the seller.
2. Apply for a loan: the buyer and the seller submit the required relevant materials to the lender, and the buyer fills in the Application Form for Second-hand Housing Mortgage Loan;
3. real estate assessment: After receiving the loan application materials from the borrower, the bank will evaluate the transaction house;
4. Loan approval: the bank approves the loan application and determines the loan amount and term. Personal second-hand housing loan business must adhere to the relevant approval principles;
5. Signing a contract: the borrower, the lender and the guarantor sign a loan contract, and the contract needs to be notarized;
6. Handling the formalities of real estate transfer and mortgage registration: the lender or the real estate agency recognized by the lender shall handle the formalities of real estate transaction transfer and mortgage registration;
7. Sign the IOU: After receiving the certificate that the borrower has registered the mortgaged property, the lender will notify the borrower to sign the IOU at the bank.
8. Lending: the lender transfers the loan to the designated account according to the agreement of the buyer and the seller, and then the buyer and the seller go to the bank to handle the loan issuance procedures;
9. Repaying the principal and interest: The borrower shall repay the principal and interest from the month following the loan issuance.
2. You can apply in our e-banking channel. The loan application method is as follows:
1. At present, Bank of China supports customers in some parts of China to apply for loans through e-banking. Please select from the drop-down menu of personal online banking and mobile banking online loan application function or the map of official website Bank's online loan application function in China. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.
2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.