Proof of identity
profit and loss statement
loan agreement
Identity and proof of income of the guarantor holding a local account.
Steps of mortgage to buy a house Process in Different Places
Before handling the loan, the borrower should know whether the purchased building has a letter of commitment from the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank.
Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form.
Loan bank: The loan officer will review all the materials and documents submitted by the loan applicant and approve them step by step.
The loan bank takes back the completed materials and issues loans according to the legally effective loan contract.
Land and Resources Bureau Property Right Registration Notary Office: Go through the formalities of property right mortgage registration.
Inform the developer to get back the loan contract, and the developer will issue a certificate to the loan bank to pay off the house payment.
Notify the borrower to recover the loan contract, iou and insurance policy.
The loan officer of the loan bank files the loan documents.
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