Now many people have bought their own houses, but at the same time, some people are still planning. After all, it's not easy to buy now, but it may be a little troublesome, so you need to spend more time thinking about the funds. If we need a loan and want to mortgage the house to the bank, what is the loan process of the individual housing mortgage bank? What are the precautions for mortgage loans? Now many people have bought their own houses, but at the same time, some people are still planning. After all, it's not easy to buy now, but it may be a little troublesome, so you need to spend more time thinking about the funds. If we need a loan, we want to mortgage our house to the bank, but we don't know how to handle the loan in this way. Then let me introduce the loan process of personal housing mortgage bank? What are the precautions for mortgage loans?

Personal housing mortgage bank loan process

1. Select an attribute.

2. Confirm whether the real estate built by the developer is supported by the bank, so as to ensure the smooth mortgage loan.

3. Apply for a mortgage loan.

4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the mortgage loan conditions, a loan consent notice or a mortgage loan commitment letter will be issued.

5. Property buyers can sign pre-sale and sales contracts with developers or their agents.

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

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.

8. Open a special repayment account.

9. After handling the relevant formalities, 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 regularly according to the contract.

What are the precautions for mortgage loans?

1. Pay attention to credit review.

When considering the borrower's repayment ability, the bank will comprehensively consider the borrower's real estate status, income, occupation, credit record, and even industry and education, so as to judge the borrower's loan qualification. In addition to paying attention to the real estate license, the borrower's occupation and income are all important criteria.

2. The loan certificate should be complete.

Generally, to apply for a personal consumption loan from a bank, the borrower needs to prepare identity documents (ID card, household registration book or residence certificate), marriage certificate and valid income certificate (tax bill, salary slip, salary passbook, etc.). ) or other valid proof of income sources (funds, stocks, income in other currencies, etc. ). If a family applies for a personal consumption loan from a bank, it should also submit the identity certificate of the borrower's spouse to the bank.

The loan amount should be known to all.

Generally speaking, you can guarantee a loan of 500,000 yuan through personal credit or joint liability; With personal housing mortgage, the loan amount shall not exceed 70% of the mortgaged property value; Personal commercial housing mortgage, the loan amount shall not exceed 60% of the mortgaged property value.

The above is the personal mortgage bank loan process I introduced? What are the precautions for mortgage loans? It is not difficult to apply for housing mortgage loan in the bank, but it needs to meet the conditions. Therefore, if we know something in advance, some problems will not appear. But in any case, we should pay more attention to the details when dealing with it, so as to shorten the time.