1: On-site forensics (property photography).

A copy of the real estate license must be provided for verification.

Identify the property owner and check whether there is any property dispute.

2. Apply to the bank for a property mortgage loan in writing. You need to provide the lender's ID card, household registration book, income certificate (in the last six months) or bank statements for six consecutive months. If you have a spouse, you should also provide an ID card and proof of income. Fill in your personal data and a lot of confirmation documents (there are more than a dozen statements about the loan period and entrustment, etc. You just need to sign your name, press your finger, and the most important thing is the purpose of the loan. Never write about investing in stocks and real estate, 100% will not lend it to you, because the highest risk of personal loans from banks is investment and will not be approved; Decoration loans are commonly used, but renovation contract is needed. Provided by a formal and legal decoration company; There is also a bank account to provide loans (note * bank loans are directly credited to this account)

3. The bank will issue a loan agreement within 15-20 working days, indicating the loan amount and term. The loan amount is based on the comprehensive situation of your property area/floor/building age, surrounding facilities, traffic conditions and market prices of nearby buildings. If you agree to the loan amount, the bank will transfer the money into your account within 3-5 working days and provide it to you from next month 1.