Common problems are the marital status, job and income of the lender. In addition, some banks will verify the bank flow provided by the lender, such as randomly specifying the salary income of a certain month and asking the lender to open the mobile banking to see if it is true. Generally speaking, the questions asked when signing the mortgage will be very careful.
Bank interview:
Face-to-face signing at the bank refers to the procedure that when buying a house loan, the borrower (together with the repayment person or guarantor) pays the loan expenses at the loan bank with the legal and valid original certificate, seal and loan expenses, and then interviews and signs. When you apply for a loan, the bank will ask you (sometimes your spouse or even the owner is present) to explain your rights and obligations in the loan in front of the bank lawyer or credit manager, and sign the bank loan agreement, commonly known as "face-to-face signing".
In the sale of real estate, after the buyers and sellers sign the sales contract, the buyers who need to apply for loans need to apply for loans from the bank. Sign a preliminary agreement with the bank to buy a house and fill in the information. After the contract and invoice are ready, the bank will review the information and then ask for an interview. When applying for a loan when buying a house, you need to pay more attention to some precautions when signing in the bank to avoid unnecessary trouble:
1. proof of income: affixed with the official seal of the company or the seal of the human resources department. Nothing can change. The proof of income must ensure that the monthly payment is more than twice, otherwise the loan amount will be affected. If the income is not enough, you can increase borrowers. If there are other loans that have not been paid off, the income certificate must be more than twice the sum of the monthly repayments of all outstanding loans before it can be approved.
2. Married: Both husband and wife should be present, with household registration book, marriage certificate, education certificate, income certificate, running water, copy of business license, official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), bank card, etc.
3. Unmarried words: ID card, household registration book, education certificate, income certificate, running water, copy of business license with official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), and bank card.
4. If it is a second suite, you need to provide 1 the title certificate and loan contract (settlement certificate) at the time of purchase.
5. Online signing contract: At present, it is necessary for all banks to review online signing contracts, so online signing contracts must be provided. The bank approves the loan amount according to the principle of lower house appraisal value or online contract price.
6. It should be reminded that you must confirm the liquidated damages for early repayment with the bank.