There is basically no difference between the process of handling off-site housing loans and local housing loans, but in some places, social security certificates of more than 1 year need to be deposited locally.

1. What is the processing flow of the loan for buying a house in a different place?

1. The borrower submits the loan application and relevant materials.

2. The bank accepts the information provided by the borrower, and the bank staff will conduct investigation and verification according to the procedures after receiving the lender's housing loan application and information.

3. If the bank meets the loan conditions after examination, it shall notify the lender to handle insurance, notarization, mortgage, registration and other procedures at the agreed time and place.

4. Banks issue loans.

5. After the lender repays the loan principal and interest according to the contract, the bank returns the mortgage (pledge) certificate and insurance documents of the house purchased by the lender.

Second, what materials do you need to buy a house with a loan from a different place?

1. Lender's identity documents, such as resident identity card, household registration book or other valid residence documents.

2. Proof of the lender's economic income.

3. Meet the requirements of the contract letter of intent and the purchase contract.

4. The bank deposit slip of the down payment and the copy of the down payment receipt issued by the developer.

5. List of mortgage or pledge, proof of ownership or use right, and proof that the person who has the right to dispose of it agrees to mortgage or pledge.

In addition to the above materials, the lender should call the loan bank in advance to determine the materials needed for the house purchase loan, because different banks have different requirements for materials.