2. To receive the receipt of the loan payment voucher of the loan contract with the original ID card, the required process is: acceptance counter (accepting loan application)-safe (handling insurance)-signature counter (signing loan contract)-notarization counter (handling contract notarization)-signature counter (receiving loan contract).
3. After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign the loan contract, mortgage contract and other relevant legal documents with the bank with the above information, loan commitment letter, bank savings passbook and savings card to be used for repayment, and go through notarization procedures. If the husband and wife or one of them can't come to sign the contract in person, it is necessary to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.
3. After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign the loan contract, mortgage contract and other relevant legal documents with the bank with the above information, loan commitment letter, bank savings passbook and savings card to be used for repayment, and go through notarization procedures. If the husband and wife or one of them can't come to sign the contract in person, it is necessary to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.
Matters needing attention in second-hand housing mortgage loan
1, when buying a house, pay attention to the construction period of the house: generally, only private properties built within 10 can apply for loans.
2. Basic information of the house: Pay attention to the decoration, location and obsolescence of the house. If the location is too remote and there is no decoration, the old house cannot be loaned. In other words, we should pay attention to the liquidity and overall value of the house, because ordinary banks have restrictions on the loan amount, and it is difficult to handle loans below 6,543,800 yuan.
3. Pay attention to whether the structure of the house has changed, whether the use of the house ownership certificate is consistent, otherwise the loan cannot be processed, and whether the address of the house ownership certificate is consistent with the actual address. If not, you can only apply for a house loan after the neighborhood Committee where the house is located issues a certificate of address change.
Refer to the above? Baidu encyclopedia-second-hand housing mortgage loan, people's network-second-hand housing mortgage detailed explanation.