Generally speaking, the basic process of Guangzhou second-hand housing loan application is:

The first step: first find the house you want to buy, but the house must have clear property rights (the house ownership certificate has been handled) and meet the conditions stipulated by the government for entering the real estate market.

Step 2: Select the real estate transaction institution designated by the bank that can handle mortgage loan business (such as the real estate agent of Quanzhou Real Estate Transaction Management Office), complete the real estate value appraisal in this institution and pay the real estate appraisal fee.

Step 3: When applying for a second-hand housing mortgage loan, you should fill in the loan application form and submit the following materials to the loan bank:

1) Identity certificate (resident ID card, household registration book or other valid residence certificate), education certificate and marital status certificate;

2) proof of economic income and other property certificates, including deposit certificates and securities, can be provided selectively; The more comprehensive the above certification materials, the higher the score of the bank in the loan evaluation, and the better the conditions for enjoying the loan amount and time;

3) The house purchase agreement signed by the buyer and the seller;

4) Proof of agreeing to mortgage the purchased house;

(5) Having its own funds not less than 30% of the purchase price;

6) Other documents or materials required by the lending bank. The Seller shall provide the following information:

1) Identity certificate and photocopy of the seller (including the owner of * * *) and proof of marital status;

2) The written document of the owner of the house agreeing to sell;

3. The house ownership certificate and a copy of the house sold;

4) If the house has been rented, the certificate of the lessee's consent to the sale shall be provided;

5) Proof that the house sold meets the conditions for listing and sale. Step 4: The bank will review the authenticity, legality and compliance of the information sent by the buyer and the seller and the credit standing of the borrower. After the approval, a loan commitment letter will be issued to the buyers, and the bank will indicate the mortgage loan for several years.

Step 5: The buyer deposits the down payment of the house into the account of the real estate transaction institution designated by the bank, and the bank freezes it. After the down payment is delivered and the loan commitment letter is signed, the seller goes to Quanzhou Real Estate Transaction Management Office to handle the house transaction procedures.

Step 6: After the house transaction procedures and the new real estate license are completed, the buyer signs a loan contract with the loan bank and goes through the mortgage, insurance and other related guarantee procedures. Step 7: the loan contract comes into effect, the funds are transferred to the account designated by the buyer, and then the buyer delivers the loan and the down payment to the seller together.

Which bank in Guangzhou has a good mortgage?

The best banks for mortgage loans are China Merchants Bank, China Construction Bank and Agricultural Bank.

1. Features of personal consumption loan products of China Merchants Bank: It can be distributed in different periods according to customers' needs.

The amount of each loan shall not exceed the approved loan amount, and each loan has the same loan term and repayment method.

2. CCB's personal consumption loan products are characterized by high loan amount, wide consumption purposes and low loan interest rate. The loan interest rate of its fast e-loan products is only about 7.6%.

CCB's loans are comprehensive. We can not only borrow money to buy a house, but also buy a house for decoration. We can handle both first-hand housing loans and second-hand housing loans. We can also handle provident fund loans and personal housing loans. We can provide loans to individuals who buy commercial housing and affordable housing. Therefore, CCB has provided people with too much convenience in life.

3. Agricultural Bank is the golden key to build a mortgage brand.

Many credit brands have been launched, with good service industry and flexible repayment methods, so they are very popular with people. At the same time, we are constantly innovating in the mortgage business. Not long ago, the Agricultural Bank of China cooperated with authoritative mortgage agencies to launch fast loans, which set off a rapid wave.

4. ICBC's personal consumption loan product features: personal comprehensive consumption loan has a wide range of consumption purposes, high loan amount and long loan term.

Industry and commerce have always taken a low-key route, but in fact, their strength should not be underestimated. In recent years, their products such as commodity housing mortgage loans, individual housing portfolio loans and short-term corporate loans have attracted public attention.

5. Features of Industrial Bank's personal consumption loan products: the longest credit period of personal comprehensive consumption line can reach 10 year.

The line is reused during the credit period, and the used line can be recovered after the loan is repaid. There are various ways of guarantee, such as pledge, mortgage, mortgage plus guarantee, guarantee or credit. Loans can be used for studying abroad, house decoration, travel, large consumption of durable consumer goods or other personal or family needs.

Extended data

1, try to choose a salary card. Bank flow is one of the most important assessment indicators for lending. If your salary card is your mortgage card, then the bank can not only better understand your financial situation through your income, but also save us the trouble of transferring money.

In addition, we will often use the money on the salary card to buy some self-selling wealth management products sold by funds and banks. Since you have done business for the bank, the bank will naturally not "treat you badly" and will certainly "facilitate" its customers to lend money.

2. Choose the bank that cooperates with the developer. Generally, when buying a house, the sales manager will recommend a bank as your repayment bank, and these banks are all banks that cooperate with developers. Therefore, if you choose these banks, there is basically no problem in approving loans, and it is often faster. As mentioned earlier, banks that cooperate with developers also want to repay as soon as possible.

What is the mortgage loan process of Guangzhou Bank?

1. The borrower initiates a loan application and provides identification, marital status and other materials.

2. Guangzhou Bank evaluates the collateral.

3. Guangzhou Bank approved the loan application.

4. The mortgage loan contract is signed after approval.

5. The borrower implements the loan conditions.