1. Evaluation (please ask the bank to evaluate the property)

2. Face-to-face signing (signing a loan contract with the other party, loan interest rate, term, etc.) ...........................................................................................................................................

3. Approval (the bank will review the authenticity of your information, personal information and income, etc ...)

4. Mortgage notarization (both parties shall go to the local notary office for notarization).

5. Lending (you can lend money when you get the mortgage certificate)

Required information:

1, ID card, household registration book, marriage certificate and real estate license of both husband and wife.

2. Income certificate (where the unit proves that it has income from working in this unit)

3. Daily account (details of bank card receipt in the past six months or one year)

Extended data:

Housing mortgage loan housing conditions:

Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; Age of the house (calculated from the date of completion of the house)+loan period not exceeding 40 years; Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.

References:

Baidu encyclopedia-housing mortgage loan