Two. The basic process of mortgage loan is as follows:

1. On-site house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the houses applying for mortgage loans to conduct on-site house inspection;

2. Property right verification; The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;

3. Signing: The bank carefully checks and verifies the original information of customers, identifies the authenticity of all the signatories, supervises the signature of customers, collects the original real estate license and the deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

4. Fill in the contract: the bank sorts out the information and fills in the contract according to the relevant information provided by the customer;

5. Payment obligation: the bank will notify the customer to pay the fee after passing the pre-trial;

6. Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank;

7. Bank loans.

Three. Conditions for applying for mortgage:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; Have a good credit record and willingness to repay, and no bad credit record;

3. Being able to provide legal, effective and reliable guarantee recognized by the bank; There is a clear purpose of the loan, and the purpose of the loan conforms to the relevant provisions;

4. Open a personal settlement account in the bank;

5. Other conditions stipulated by the bank.

Four, property buyers need to prepare information for loan business:

1, provident fund loan:

(1) Identity certificates and marriage relationship certificates of the lender, spouse and borrower;

(2) Borrower's (husband and wife's) bank card;

(3) Purchase contract or agreement.

2. Commercial loans:

(1) Proof of professional income of the borrower and * * * the same borrower;

(2) Purchase contract or agreement.

Extended data

Loan process

(1) application. The customer submits a written loan application to the bank and submits relevant materials.

(2) sign a contract. After receiving the loan approval notice from the bank, the loan applicant shall sign a loan contract and a guarantee contract with the loan bank, and handle notarization, mortgage registration, insurance and other related procedures as appropriate.

(3) open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.

(4) the issuance of loans. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.

(5) Repayment on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. There are two repayment methods: entrusted deduction and counter repayment.

(6) Loan settlement includes early settlement and normal settlement. Early settlement refers to the settlement of the loan (one-time repayment of principal and interest) or the last loan (installment loan) before the loan maturity date; Normal settlement refers to the settlement of the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment loan).

If the loan is settled in advance, the borrower shall submit an application for early settlement to the loan bank 10 working days in advance after paying off all the payables. After the loan is settled, the borrower receives the "loan settlement certificate" from the loan bank, retrieves the mortgage registration certificate of real estate ownership and the original insurance policy, and goes through the mortgage registration cancellation formalities with the original mortgage registration department with the "loan settlement certificate" issued by the loan bank.

Refer to Baidu Encyclopedia Mortgage Loan