Five certificates: the first is the state-owned land use certificate (Land Bureau), the second is the construction land planning permit (Planning Bureau), the third is the construction project planning permit (Planning Bureau), the fourth is the construction project construction permit (Construction Bureau), and the fifth is the commercial housing pre-sale permit (Housing Authority).
The pre-sale permit is the last of the five certificates and is handled by the Housing Authority. You can call the staff of the local housing authority directly. If the pre-sale certificate has been handled, it means that the five certificates in the community are complete, and only banks with complete five certificates dare to cooperate with developers.
Mortgage process: bank acceptance-approval-customer approval-notification of customer approval-preparation of loan-notification of customer loan-monthly repayment.
If the audit document fails, the customer will be informed of the details and requirements of the missing information, and the customer should supplement it in time. The information will be approved in the shortest time, and the house payment will be issued faster.