1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: the customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application, and then the bank approves it; If the examination is unqualified, the customer information and the fees charged shall be returned;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank transfers the loan amount to the developer's account and informs the customer to start mortgage payment.

immediate processing

1, personal credit loan. Handling bank personal credit loans only requires the loan applicant to have a stable job and income. The general loan amount is between 6,543,800 yuan and 500,000 yuan, and the longest loan period is 5 years. Usually, the loan can be released within 1 working days after the bank's audit data is passed, which is a fast loan scheme with no mortgage and simple operation.

2. Real estate mortgage loan. Property mortgage refers to the mortgage of one's own property to a bank in exchange for a loan from the bank. Real estate mortgage loan will not affect the right to live in real estate, nor will it affect the quality of life. This loan scheme has a long repayment period and a high loan amount, which is a good choice for enterprises and individuals to seek large amounts of funds.

3. The lent property can be mortgaged again. When buying a house, the mortgaged property, or the mortgaged property, can be re-evaluated according to the current market price, and can apply for a second bank mortgage loan again. Lenders can apply for loans by providing corresponding loan application materials.

Extended data:

Repayment method

1. Repay the loan in equal installments every month according to the provisions of the signed payment contract. Customers should take the initiative to deposit the monthly loan principal and interest into their savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment;

2. Early repayment: the customer should apply to the bank one month in advance, and the loan interest in advance can be exempted, but the interest rate is still implemented at the same period of the original loan term.

Calculation of loan repayment:

For repayment of individual housing loan, if the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal; If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments.

For individual housing loans, the borrower can repay in advance after obtaining the consent of the lender. The borrower can choose the following two ways to repay the loan in advance: after the loan reaches 1 year, the borrower can apply for a one-time prepayment of the outstanding loan principal and interest.

The borrower applies for partial prepayment, and the loans that should be repaid in installments throughout the loan period will be repaid in one installment. The remaining outstanding loans can be handled by shortening the original agreed loan repayment period, or keeping the original agreed loan repayment period unchanged and reducing the monthly repayment amount.

Loan expenses

(1) lawyer examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.

② Notary fees. If the loan applicant is a husband and wife or a co-purchaser, other co-owners should make a statement on whether to agree to mortgage the house to the bank, and the statement needs to be notarized.

(3) Property registration fee. After getting the real estate license, the property buyer should go to the registration agency to register the mortgage and pay the registration fee.

4 insurance premium. When applying for a mortgage loan, the borrower shall handle property insurance for the collateral. During the mortgage period, the insurance policy is kept by the lender, that is, by the loan bank. The property insurance rates of different insurance companies are slightly different. The notarization fee, mortgage registration fee, insurance fee, certification fee, evaluation fee, deed tax, stamp duty and other related taxes and fees involved in obtaining loans from banks shall be borne by you.

Baidu encyclopedia-personal loan