1. Both husband and wife of the buyer and seller must be present, and the property right of the house must be clear and uncontroversial, otherwise the property right problem must be solved first.
2. Both the buyer and the seller need to bring the original and photocopy of the basic documents, namely: ID card, household registration book, marriage certificate of the buyer and the seller (single person with the original single certificate), buyer's income certificate, bank running certificate, certificate of no room or first suite, down payment certificate (the down payment can be paid to the seller by bank transfer at the loan bank after signing the contract), and a repayment card can be opened at the loan bank. Copies and originals of the house purchase contract and real estate license (copies of mortgaged houses are also provided). If a real estate agent is involved, a tripartite agreement is needed. The payment card opened by the seller in the loan bank will be checked, verified and copied by the bank loan officer.
3. The loan officer and the buyer and seller take photos respectively.
4. The buyer and the seller sign relevant bank format contracts, various statements and IOUs, all of which are signed by handprints, and stamp duty is paid according to the loan amount.
5. After the face-to-face signing, the bank leaves with the original, waiting for the appraiser to come to the door for evaluation and loan approval.
If you are not clear about the process and precautions, please ask the loan officer or loan agent in advance.
According to your repayment ability, you can choose to decide: the loan application period and repayment method are equal principal and interest or average capital, and the default method of the bank is equal principal and interest. The tying or surcharge of other banks and the floating range of interest rates can be negotiated, and customers basically have no right to decide.