1. Determine the mortgage service company and loan scheme. Before handling the loan, the borrower needs to determine the mortgage service company with the intermediary, consult the mortgage service company for loan and determine the loan scheme.
2. Inquire about provident fund (if provident fund loans are needed). After the seller confirms the purchase intention, the borrower provides the provident fund account number, and the mortgage service company inquires about the provident fund to determine the loanable amount and loan term.
3. Signing a house sales contract The borrower and the seller sign a house sales contract. Due to the different requirements of the trading center, the houses in Jiang 'an, Jianghan, Qiaokou and Hongshan need to be transferred to the trading center in this area after the contract is signed.
4. Prepare loan information and review loan eligibility. The mortgage service company assists the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be evaluated by the designated evaluation company; And the mortgage service company will conduct a preliminary audit.
5. Sign loan agreement, notarization and insurance. The payer signs a loan agreement with the bank, notarizes the agreement and collects fees, including home insurance fees.
6. Handle the house transfer and mortgage procedures. The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.
7. Apply for real estate license and mortgage certificate. After the lender's real estate license and other rights certificates are issued, the mortgage service company will hand over a copy of your real estate license and the original of other rights certificates to the bank.
8. Bank loan: After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.