The process in mortgage to buy a house is as follows:
1. Before handling the loan, the borrower should know whether the purchased building has a letter of commitment from the bank to provide personal housing mortgage loan. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank;
2. Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form;
3. Loan bank: the bank staff will review all the materials and documents submitted by the loan applicant and approve them step by step;
4. The loan bank takes back the completed materials and issues loans according to the legally effective loan contract;
5. The property right registration and notarization department of the Bureau of Land and Resources shall handle the registration formalities of real estate property right mortgage;
6. Inform the developer to recover the loan contract, and the developer will issue a certificate of paying off the house price to the lending institution;
7. Inform the borrower to recover the loan contract, IOU and insurance policy;
8. The bank staff of the loan bank will file the loan file.
The general process of housing mortgage loan is as follows:
The borrower shall fill in the Application for Mortgage of Residential Houses before the loan, and submit the following supporting materials to the applicant bank:
(1) A written application of the mortgagor agreeing to mortgage and relevant certificates;
② Mortgagor's qualification certificate; (ID card/household registration book/proof of marital status, etc. )
(3) proof of house ownership (or disposition right); (such as real estate license/land certificate)
(4) Housing evaluation report;
⑤ Other bank information.
The bank examines the borrower's loan application, purchase contract, agreement and related materials.
After the borrower has passed the examination, the property certificate, insurance policy or securities of the collateral shall be kept by the bank.
Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.
According to the above mortgage loan process, after the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the contract account.
The borrower can repay the loan normally as agreed.