① Submit loan raw materials

Under normal circumstances, one of the cooperative banks designated by the real estate agent is selected to apply for a loan, and the required raw materials are handed over to the bank staff.

② Examination and approval of loan qualification certificate

Banks should review the authenticity, validity and consistency of personal information, personal credit records and income status. (See the above commercial service loan standards for details. )

③ Sign a loan contract.

After the bank accepts the raw materials, it will conduct examination and approval. General commercial loans take 7- 10 working days (the actual approval is subject to each bank). After approval, the announced loan contract will be signed.

④ issuing loans.

After the bank completes the loan process, it will immediately issue loans to real estate developers, and the applicant needs to repay the bank every month. (If the house is pre-sold, the bank will issue loans after the house is pre-sold. )