The buyer and the seller open an account in the loan bank, and the buyer deposits the down payment in full into the account designated by the loan bank.
After investigation and approval by the loan bank, the borrower and the loan bank sign a loan contract and a power of attorney for transferring the deduction.
Handle the formalities of house transfer, insurance, notarization and mortgage registration.
Certificate of property right transfer. The borrower shall submit the house ownership certificate, house ownership certificate and insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage.
Lending. After the above procedures are completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Power of Attorney for Deduction.
Mortgage refinancing basically requires China citizens to have legal and valid identity certificates, aged 18 to 65 years old.
Have a proper job, a stable income, the ability to repay the principal and interest of the loan on time and in full, and a good credit record.
Agree to mortgage the property and its rights and interests in the name of an individual as a condition for loan issuance.
There are legitimate financing purposes.
Basic information required for refinancing, property certificate and other collateral ownership certificates.
Identity cards, household registration books and proof of marital status of the applicant and spouse.
Proof of income of the applicant and his spouse
Relevant certificates of loan use
Steps to refinance mortgage: information provided by customers.
Evaluate real estate
The bank examines the information and goes through the relevant procedures.
Redeem the building and release it.
mortgage registration
Restart repayment