Specifically, it is necessary to confirm how Chizhou certifies personal property. In some areas, personal property is certified only in this area, but not in other areas. You can contact the staff of Chizhou Bank for confirmation.

Chizhou housing loan process:

Step 1: Before applying for a loan, the borrower should find out whether the purchased building has a letter of commitment issued by the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, 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;

Step 2: developer: as the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form;

Step 3: loan bank: the bank staff will review all the information and documents submitted by the loan applicant and approve them step by step;

Step 4: The loan bank receives the complete materials and issues loans according to the legally effective loan contract;

Step 5: The Property Right Registration Notary Office of Land and Resources Bureau: go through the formalities of property right mortgage registration;

Step 6: Inform the developer to get back the loan contract, and the developer will issue a proof of paying off the house price to the lending institution;

Step 7: Inform the borrower to take back the loan contract, IOU and insurance policy;

Step 8: The bank staff of the loan bank file the loan file.