1. The borrower fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.) to the loan bank. );

2. As the loan guarantor, the developer shall sign and seal the "Guarantor's Opinion" column of the loan application approval form;

3 loan bank loan officer to review all the materials and documents submitted by the loan applicant, step by step for approval;

4. The loan bank takes back the completed materials and issues loans according to the legally effective loan contract.

5. The property right registration and notarization department of the Bureau of Land and Resources shall handle the registration formalities of real estate property right mortgage;

6. Inform the developer to recover the loan contract, and the developer will issue a certificate of paying off the house payment to the loan bank;

7. Inform the borrower to recover the loan contract, IOU and insurance policy;

8. The borrower repays the loan on schedule and pays interest. After the loan principal and interest are settled, the mortgage registration is cancelled and the contract is terminated.

Two, after the approval of the mortgage formalities are:

Once the loan is approved, the developer will notify to get the purchase contract that has been registered with the real estate management department, because if the bank does not approve the loan, the developer will not register with the real estate management department with the signed purchase contract.

Banks generally issue loan contracts and bank cards to developers in batches, so they can also get loan contracts and bank cards when they receive the purchase contract. To sum up, once the loan is approved, you can get:

1. The developer has completed the registration of the house purchase contract.

2. The purchase contract between the bank and the applicant and the corresponding notarial certificate.

3. Bank card for repayment (the bank will deduct the mortgage from that bank card regularly every month).

4. Some banks will also issue loan issuance notices and repayment schedules.

If you haven't received the notice to collect these things for a long time, you'd better contact the account manager who issued the loan at that time.

Extended data:

First, the types of housing loans provided by banks mainly include enterprises and individuals.

Personal housing loans can be divided into personal housing provident fund loans and personal housing commercial loans, entrusted loans, self-operated loans and portfolio loans.

1, personal housing provident fund loan

Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.

2. Personal housing commercial loans

It can be roughly divided into six varieties:

(1) Personal housing loan (including forward house and existing house);

(2) Personal second-hand housing loans;

(3) individual housing renovation loans;

(4) Personal housing consumption loans;

(five) personal commercial housing loans;

(6) individual housing portfolio loans;

2.( 1) Personal housing loans refer to loans issued by banks with the purchased houses as collateral, including forward mortgage loans and existing home mortgage loans. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.

(2) Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

(3) Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

(4) Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.

(5) Personal commercial housing loans refer to loans granted by banks to borrowers for purchasing personal self-operated commercial housing and self-occupied office housing. The purchased commercial house shall be an existing house, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year.

(6) Individual housing portfolio loans refer to loans composed of housing provident fund loans and housing guarantee loans, that is, when individuals apply for housing provident fund loans to pay the purchase price, the insufficient part applies to the bank for commercial housing loans.

The two loans bear interest according to the provident fund loan interest rate and the commercial loan interest rate respectively, and the loan term is the same. Borrowers can apply for portfolio loans from banks that accept provident fund loans. National laws and regulations

Housing entrusted loan refers to the loan issued by the bank to individuals who purchase ordinary housing as required, and the source of funds is housing provident fund deposits.

3. Housing self-operated loans are loans issued to individual buyers from the sources of bank credit funds.

Housing portfolio loan refers to the loan from the housing provident fund deposit and credit funds to the same person who buys the same set of ordinary housing for their own use. It is a combination of personal housing entrusted loan and self-operated loan.

Housing savings loan refers to a kind of loan on the premise that property buyers deposit money in advance in order to obtain bank loans. It is a kind of contractual housing savings to solve the financial difficulties for those who have not participated in the provident fund or have obtained provident fund loans but still have a funding gap.

Baidu encyclopedia-housing loan