Detailed process of housing loan:

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Flow chart of bank loan for purchasing second-hand houses

Second-hand housing bank loan process:

1. Apply for a loan from the bank and submit the loan information;

2. Housing evaluation;

3. Bank approval;

4. Pay the down payment and handle the transfer;

5. The buyer handles mortgage registration, insurance and other formalities, and obtains a bank loan.

Second-hand housing loans are generally determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors.

Term of the loan: generally within 20 years, and the maturity date of the loan cannot exceed the borrower's 65 years of age in principle. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.

Extended data:

When handling second-hand housing loans, buyers and sellers bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The bank staff will make a preliminary evaluation of the qualifications and loan materials of the lender and give the approximate loan amount and term.

After the first trial is passed, the bank will contact the designated housing evaluation agency to inspect and evaluate the house. The real estate appraisal institution issues an appraisal report to the bank, and the bank approves the loan amount and term according to the appraisal price of the house and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. Generally, the transfer can be completed on the same day, and the buyer can get the real estate license after waiting for about 20 working days.

After obtaining the real estate license, apply for mortgage registration and insurance. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer begins to repay the principal and interest on schedule as agreed in the contract.