The housing loan process is as follows:

1. Before applying for mortgage, the loan applicant needs to prepare loan materials and loan application forms, and all documents or materials required by the loan bank should be prepared;

2. The bank account manager needs to conduct a preliminary examination of the lender's materials to see if the prepared materials are complete. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping, and the bank shall examine the borrower's loan application, house purchase contract, agreement and related materials. After passing the preliminary examination, enter it into the system, scan and upload it;

3. The credit department reviews the lender's personal credit record;

4. With the approval of the bank's examination and approval personnel, the borrower and the guarantor sign the housing mortgage loan contract and notarize it;

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. Loan settlement includes normal settlement and early settlement.

What is the process of handling individual housing loans?

Personal housing loan processing flow: 1. The developer puts forward the intention of mortgage loan cooperation to the loan bank; 2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers; 3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements; 4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank; 5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval; 6. The application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time. Finally, lending. Article 5 of the Measures for the Administration of Individual Housing Loans: 1. Have permanent residence in cities and towns or valid residence status; Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase; Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lender. Article 6 The borrower shall provide the lender with the following information: identity documents (referring to valid residence certificates such as resident identity cards and household registration books); 2. Proof of the stable income of the borrower's family; Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents; Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; 6. Other documents or materials required by the lender. Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans. Article 8 The loan amount issued by the lender shall not exceed the value of the house purchased by the real estate appraisal agency.

What is the process of housing loan?

The process of applying for housing loan is as follows:

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.