What is the process of Wuxi mortgage loan? Most people who buy houses now are mortgage loans, and according to the laws of the country, the mortgage loan for the first suite has certain preferential treatment. What about the mortgage loan for the first suite in Wuxi?

Apply for a loan. Employees apply for loans from the entrusted bank according to the type of houses purchased.

Accept a loan. For the conditions, materials, amount and other contents of the loan application, the provident fund center or the entrusted loan bank will conduct a preliminary examination; If it passes the preliminary examination, the entrusted bank will interview the applicant to further understand its loan purpose, repayment willingness and repayment ability, and conduct an interview.

Approve loans. When applying for employee loans, the entrusted bank shall report to the provident fund center. The loan application time is 7 working days, and the entrusted bank will handle the loan procedures. Loan portfolio loans must be approved by the handling bank.

Contract signing. The loan bank of the Economic Commission agreed to issue employee loans and signed an iou.

Loan review. After receiving the mortgage certificate, the center will handle the loan approval.

Loan. The entrusted bank shall, in accordance with the loan terms agreed in the secured loan contract, issue loans according to the accounts agreed in the agreement after passing the examination.

Information required for the first mortgage loan in Wuxi: 1, proof of purchase provided by the sales department. The purchase certificate provided by the sales department is mainly for the real estate bureau to issue the certificate of the first suite, and the real estate bureau can inquire whether there are other properties under its name according to the registered information.

2. The original account book. The original and photocopy of the household registration book should also be issued to the real estate bureau to prove the first suite, and should be kept after issuance.

3. The first house certificate provided by the Housing Authority. The proof of the first home is mainly to obtain appropriate loan interest rate concessions. The down payment of the first suite is much lower than that of the second suite, so the proof of the first home is very important.

The above is the related content of Wuxi mortgage loan process. I believe everyone knows about these contents. I hope this article can give you some help.