Construction Bank Housing Mortgage Loan Handling Process
1 When applying for housing mortgage loan, the borrower must apply to the loan bank with the relevant application materials specified by the Construction Bank, fill in the application form and submit relevant materials;
2. After on-the-spot investigation and review by the account manager, report to the competent examination and approval department for examination and approval, and sign a loan contract with the customer with the consent of the bank;
3. The account manager handles the loan procedures and transfers the money to the settlement account opened by the borrower in our bank, so that the customer can use the loan funds;
4 The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment;
After the loan is settled, the business outlet will return the mortgage (pledge) certificate to the customer.
The Construction Bank needs to carry the valid identity documents of the borrower and spouse of the housing loan, the original and photocopy of the marriage certificate, the local permanent residence of the borrower and spouse or the local long-term residence certificate, etc. Please consult the local Construction Bank for other specific materials.