1. Procedures for handling mortgage \ (Take a bank's 70% mortgage as an example \) are generally: 1. The Buyer signs a pre-sale (sales) contract with the real estate company and pays 30% of the house price; 2. Apply to the law firm designated by the bank for loan procedures, provide the credit certification materials required by the bank, and the law firm will issue a legal opinion after substantive examination and submit it to the bank for approval. 3. The bank decides whether to approve the mortgage application after reviewing the legal opinions: (1) With the consent of the bank, the law firm arranges the applicant to sign a mortgage contract with the bank, and handles the mortgage registration procedures for the existing real estate license of the pre-sale contract on behalf of the applicant; (2) If the bank refuses to approve, the application procedure will be terminated. The applicant and the developer shall sign a separate payment agreement or implement it in accordance with the relevant provisions in the original purchase contract.
Two, the documents provided to the bank include:
(1) Personal credit certificate of the applicant: 1. Generally, there must be more than two applicants. The applicant shall provide an application, indicating that both parties are willing to jointly apply for a loan and share the repayment obligations and risks. 2 show the income certificate and tax payment certificate issued by the applicant's unit. If you have a part-time job, issue a part-time income certificate. 3. Provide personal financial information, including deposits (RMB and foreign currency), private car ownership, securities and other assets. The original passbook or deposit certificate issued by the bank shall be presented. 4. If the loan applicant provides a guarantor, for a natural person, it is required to have a fixed occupation, a fixed income and repayment ability, and at the same time, open an account with the CCB applying for a loan and deposit a deposit of not less than 6 times the monthly repayment amount.
(2) Relevant purchase documents required by the loan applicant: 1. Formal pre-sale (sales) contract of commercial housing registered by the real estate bureau. For those who only sign the subscription contract, the law firm will report it to the bank, and the bank will decide whether to recognize it as valid or not and whether to give a loan. 2. Invoice or receipt for the down payment of more than 30% of the total house price. 3. Get two application forms and four contracts from the law firm or the bank's house purchase credit office. Fill in the loan application form under the guidance of the lawyer, including the statement that the developer signed and agreed to provide guarantee for his mortgage loan before the property transfer, and the applicant agreed to use the purchased house as mortgage collateral. 4. Other documents required by the bank.