1, property buyers need to go to the bank to understand the relevant situation and apply for personal housing loans with relevant information. Then the bank will review the buyers and then determine the loan amount.
2. Next, the bank will handle the loan contract, and then handle the property mortgage registration and notarization. The rest is the cancellation of registration after the bank issues the loan and the borrower repays the loan every month and pays off the principal and interest.
3. The materials and procedures required to handle the house purchase loan are as follows: household registration book, marriage certificate, ID card, income certificate, bank account and house purchase contract (provided that both husband and wife are married). Conditions: As long as there is a stable income and bank account, there is a bank account every month, and the monthly income on the income certificate needs to be twice as much as the monthly payment. Generally speaking, it is impossible for a bank to be overdue for three times in a row and six times in two years, and this is based on the family.