1. Buyers who want to obtain real estate mortgage services should pay attention to this aspect when choosing real estate, and further confirm whether the real estate developed and built by the developer has bank support to ensure the smooth acquisition of mortgage loans.

2. Learn from the bank or the law firm designated by the bank about the bank's provisions on mortgage loan support for property buyers, prepare relevant legal documents, and fill in the mortgage loan application form.

3. The bank that signed the house purchase contract received the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it issued a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and defines the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5, mortgage registration, insurance buyers, developers and banks to the real estate management department with the "Housing Mortgage Loan Contract" and the purchase contract for mortgage registration, for faster, after the completion of mortgage registration should be changed.

6. After the signing of the mortgage loan contract, the buyer opens a special repayment account in a financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.

7. The bank confirms that the property buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the Building Mortgage Loan Contract. After going through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

Second, the application materials for mortgage loans

1, individual housing loan application

2. Copy of identity documents (resident identity card, residence booklet, military officer's card, passports of overseas and foreign natural persons who have the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents).

3. The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank.

4, the legal purchase (overhaul) of housing contracts, agreements and related approval documents.

5. List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank.

6. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor.

7. The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank.

8. Relevant certificates of self-financing of the borrower's purchase (overhaul) of the house.

9. House sales (pre-sale) license or real estate license (existing house) (copy)

10. If the borrower's spouse and * * * apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form and show their marriage certificate and household registration book.

Extended data:

I. Conditions for applying for mortgage loans

1, with legal status.

2, a stable income, good credit, the ability to repay the principal and interest of the loan.

3. There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.

4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the down payment of purchased (overhaul) housing.

5. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.

Second, the loan interest rate.

1, the loan term is within 5 years (including 5 years), and the annual interest rate is 4.77%.

2. If the loan term is more than 5 years, the annual interest rate of the loan is 5.04%.

Baidu Encyclopedia-mortgage to buy a house

Baidu encyclopedia-mortgage loan