The lender of commercial loans is a bank, and the process is faster and more time-saving than the provident fund, and the basic lender is qualified enough.
The picture below shows the whole process of buying a house with a commercial loan. From the application to the final payment, * * * spent 30 yuan.
1) Submit applications and materials: submit personal qualifications and materials to the bank.
When you sign a mortgage loan for a house, generally speaking, whether it is a first-hand house loan or a second-hand house loan, after choosing a loan bank, you must first submit your application materials to the bank account manager in charge of mortgage loan business. shhuang44ss
2 qualifications
The loan bank or provident fund management department will review the borrower. In general, commercial loans take 15 working days. The maximum is 1 month.
3) Bank approval: Lend money if the qualification is qualified.
Generally speaking, the bank will check the situation of the house after receiving the loan application from the borrower; Qualifications of borrowers, including personal credit and borrowers.
Second, what process does the second-hand housing bank loan need?
The second-hand housing loan process is as follows: 1. The buyer and seller prepare their own materials, and then apply for a second-hand housing loan in the bank and submit the materials; 2. The bank staff makes a preliminary assessment and gives the approximate loan term and amount; 3. After the buyer is satisfied with the quota, he will go to the real estate appraisal agency designated by the bank for appraisal, and then return to the bank with the appraisal report; 4. The bank conducts the audit according to the evaluation report and other materials, and if it meets the loan conditions, the staff will hand over the audit results to the approver for approval; 5. After approval, the buyer needs to pay the seller the down payment of the second-hand house, sign the contract, and then go through the transfer formalities at the real estate exchange; 6. After obtaining the real estate license, go through mortgage registration, insurance and other procedures, and then the bank lends money, and the money is directly transferred to the seller's account. "General Principles of Loans" Article 3 The issuance and use of loans shall comply with national laws, administrative regulations and management regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.
Third, what is the second-hand housing loan process?
Simple: 1. First, provide loan information (such as real estate license, identity card, household registration book, etc.). ) 2. sign a mortgage loan at the bank. 3. If the mortgage is transferred through this.
4. Mortgage after transfer. 5. Bank loans