Banks will have certain differences in the process of handling mortgage loans, but generally speaking, lenders need to sign twice. Once I went to the housing management department to sign the mortgage formalities, and the other time I signed a mortgage contract with the bank. However, in the whole mortgage process, it is not excluded that there will be other situations that require the signature of the lender, so the actual number of signatures is subject to the bank that handles the mortgage. Mortgage is generally approved, and then go to the bank to sign the loan.

Process of handling mortgage to buy a house loan:

1, choose the house you want;

2. Confirm that real estate can be obtained through mortgage loan;

3. Go to the bank to apply for a mortgage loan;

4. Sign the purchase contract and loan commitment letter.

5. Property buyers can sign commercial housing sales contracts with developers or their agents.

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance.

8. Open a special repayment account;

9. Transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan on time as stipulated in the contract.

Interest refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.

Definition:

1. Money other than the principal of deposits and loans (different from "principal").

2. The abstract interest point refers to the value added when monetary funds are injected into the real economy and returned. Generally speaking, interest refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital. Also known as the symmetry between the sub-fund and the parent fund (principal). The calculation formula of interest is: interest = principal × interest rate × deposit period (i.e. time).

Interest is the reward that the fund owner gets for lending the fund, which comes from a part of the profits that the producer makes by using the fund to play its operational functions. Refers to the value-added amount brought by monetary funds injected into the real economy and returned. The calculation formula is: interest = principal × interest rate × deposit period × 100%.

3. Classification of bank interest

According to the different nature of banking business, it can be divided into bank interest receivable and bank interest payable.