Someone has given a detailed answer. The answer is as follows:
China Agricultural Bank Housing Mortgage Loan Process
(1) The seller proposes the mortgage loan cooperation intention to the loan bank.
(2) The loan bank investigates the seller's development projects, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating conditions and financial conditions, and signs a mortgage loan cooperation agreement with qualified sellers.
(3) The borrower signs a house purchase agreement with the seller and pays more than 30% of the house price (40% of the commercial house).
(4) The borrower applies for mortgage loan with the purchase agreement, 30% purchase receipt, ID card and proof of marital status, and opens a deposit account or bank card in the loan bank.
5] After investigation, examination and approval, a loan contract is signed, and after the agent of the loan bank completes the registration and notarization procedures, the money will be deposited into the seller's account (the customer adopts the principle of voluntary insurance), and the customer will be informed to go to the seller to handle the purchase formalities with the contract.
[6] In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card before the 20th of each month (quarter), the loan bank will automatically deduct it from the borrower's account and settle it all at maturity.
(7) The lender pays the deed tax, obtains the deed certificate, and completes the registration procedures of the real estate title certificate and the house mortgage. Fees are charged in strict accordance with the charging standards of relevant competent departments, and no agency fees are charged. The borrower must provide all the materials required for the above procedures. After the loan is returned, the lender cancels the collateral and returns it to the customer.
China Bank Housing Mortgage Loan Process
Borrower's withdrawal
Application material
Bank of China
↓ Bank audit
Formally signed a house purchase contract,
Individual housing mortgage loan contract
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Contract notarization
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Handle insurance business
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Go through the registration of property right mortgage
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Banks issue loans.
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Borrower's repayment
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Apply for a mortgage after the loan is paid off.
Real estate cancellation registration procedures
China Construction Bank Housing Mortgage Loan Process
Construction Bank Mortgage Housing Loan Process
(1) Consultation: The loan applicant can not only go to any "personal loan" branch of China Construction Bank Jinan Branch, but also go to the developer's bank-enterprise joint office to inquire about the specific type, term, amount, interest rate level and repayment method of this kind of loan and obtain relevant information.
(II) Acceptance: The loan applicant can sign a letter of intent with the seller of the house, and after paying the deposit, get the loan application form from the loan construction bank or the bank-enterprise joint office. After the application form is filled in and signed by the guarantor, it can be submitted to the bank together with all the required materials, or it can be submitted by the bank-enterprise joint office.
(3) Examination and approval: After the credit personnel have made a preliminary examination of the written materials of the customers, they will conduct on-site inspection on the credit standing of the loan inviter and issue the investigation opinions of the first responsible person, and then report them to the superior for examination and approval. After approval, a bank loan commitment letter will be issued, which is valid for one month.
(4) Signing a contract to issue loans: The loan applicant signs a formal house purchase contract with the seller with the bank loan commitment letter, and pays more than 30% of the advance payment, and then signs a loan contract, mortgage contract, etc. With the original purchase price, payment receipt, letter of commitment and personal seal, we can get a loan from China Construction Bank and pay relevant fees. The loan contract shall come into effect after being signed and sealed by both parties. At the same time, the borrower shall receive the relevant contract text and repay the principal and interest from the month of loan according to the repayment plan.
Housing loan steps
When CCB approves the loan, it will entrust the mortgage affairs center to handle all the loan procedures for you. After receiving the countersignature notice, please go through the relevant formalities according to the following steps:
Step 1: The borrower (buyer) enters the mortgage affairs center of the place where the contract is signed with relevant materials (original ID card, half-inch square seal and CCB current passbook).
Step 2: The borrower (buyer) takes a seat at the counter-sign of the contract according to the indicated route and listens to the lawyer's explanation of the loan and other contract texts.
Step 3: The borrower (purchaser) submits the current passbook of CCB at the insurance counter and the toll counter in the lobby of the mortgage affairs center, and pays the related expenses of personal housing loan.
Step 4: After the borrower (house buyer) pays the relevant fees, he/she will collect the loan and other contract texts from the countersigning room with the charge receipt. Please check the contract texts carefully.
Step 5 If the borrower (buyer) misses the special meeting of the loan contract, please read the contract text by yourself. If you have any questions during reading, please ask at the information desk and you will get an appropriate explanation.
Step 6 If the borrower (buyer) thinks there is no problem with the contract, please sign and seal all the contract texts and fill in the date of signing.
Step 7 After the borrower (buyer) completes the above matters, please send all your consolidated texts to the lawyer for review.
Step 8 The borrower (buyer) has completed the loan signing procedures, and the mortgage affairs center will handle the mortgage signing procedures for you as soon as possible and notify the bank to lend money for you. Please feel free to go home.
Information to be provided for individual housing loan:
The original and photocopy of the ID card and household registration book of the borrower's husband and wife;
If both parties are not in the same account, the original and photocopy of the marriage certificate must be provided;
Original income certificate issued by the unit where the borrower and his wife work;
Legal purchase contract;
The original and photocopy of the prepayment receipt for which the borrower pays more than 30% in advance;
Other information required by the loan bank (such as proof of family property, etc.). ).
Relevant charging standards for individual housing loans
Citic Industrial Bank Housing Plus Mortgage Loan Process
Information to be submitted when applying for a loan
Documents or materials to be submitted by the borrower
1. Original and photocopy of the borrower's valid ID card (resident ID card or military officer's card, police officer's card, passport, etc.). ), household registration book or local long-term residence certificate;
2. The borrower's income certificate, including payroll and tax payment certificate; If the loan is repaid with family income, the identity and income proof materials of other family members shall also be provided;
3. Relevant procurement contracts and agreements.
4. The ownership certificate of the mortgaged property and the certificate of consent to mortgage issued by the person with the right to dispose of it; Appraisal certificate of second-hand house (or collateral) issued by an appraisal institution recognized by CITIC Industrial Bank;
5. The purchase of housing reform, must be in accordance with the relevant provisions of the local government on the listing of housing reform, provide the approval documents of the housing reform department, to ensure that the purchaser can obtain full property rights;
6. Provide proof of down payment for house purchase;
7. Other documents or materials required by the bank.
Customer loan process
1. You need to open a current deposit account in the business institution of CITIC Industrial Bank;
2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;
3. Bank managers or appointed lawyers come to visit you to investigate the authenticity, legality and integrity of the information you provide;
4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;
5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;
6. CITIC Industrial Bank will directly transfer the loan to the special account you opened in CITIC Industrial Bank or the account you designated and approved by CITIC Industrial Bank;
7. Please repay the principal and interest according to the loan contract.
If you have a good bank, you can check it in official website or call customer service.
ICBC service telephone number 95588
China CITIC Bank Service Phone 95558
China bank service telephone number 95566
Industrial bank service telephone number 9556 1
Agricultural Bank Service Phone 95599
China Merchants Bank Service Phone 95555
China Everbright Bank Service Phone 95595
Minsheng bank service telephone number 95568
Bank of Communications service telephone number 95559
Second, how long does it take for the Postal Savings Bank to approve individual housing loans?
It usually takes three to five working days to complete the information.
Three. China Bank Personal First-hand Housing Loan Handling Process
(1) Apply for 2 1 13 people to submit the purchase information, pay the down payment, and sign the commercial housing sales contract; (2) The applicant submits a written application for individual first-hand housing loan and provides the above application materials; (3) The bank handling institution comprehensively evaluates the credit status and solvency of the applicant and guarantor of 526 1, conducts pre-loan investigation through interviews, telephone verification and home visits, and completes customer information verification; (four) after accepting the loan application, the handling bank shall conduct the corresponding examination and approval; (5) After the loan application is approved by 4 102, the borrower and the guarantor shall go through the relevant loan procedures within the specified time, and sign the relevant contract in person at the bank handling institution at the time specified by 1653, and go through the formalities of using the money; (6) The borrower clearly stipulates the repayment method and repayment plan in the loan contract, and the lender grants the right to deduct the loan principal and interest from the account designated by the borrower on the agreed repayment date. Please consult local institutions for specific requirements. If in doubt, please continue to consult the online customer service of Bank of China. If you have other business needs, please download the mobile banking app of Bank of China or follow "Bank of China Micro-Banking" on WeChat to continue consulting and handle related business.
Four, China Bank personal housing mortgage loans how to deal with?
To apply for a personal first-hand housing loan in China Bank, you need to submit the following materials: 1, loan application; 2. Legal and valid identity documents; 3. Proof of marital status; 4. Proof that the down payment of the purchased house has been paid; 5. Proof of economic income recognized by the lender; 6, the purchase of housing contracts, agreements or other valid documents; 7. List of collateral (pledge) secured by the loan, certificate of ownership, certificate of consent of the person who has the right to dispose of the collateral (pledge) and collateral valuation documents; 8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him; 9. Authorize the lender to inquire about the personal credit information system of the People's Bank of China and record the relevant documents of the inquiry results. As there are differences in policies and requirements for handling loans in different regions, please consult the local China Bank outlets in detail. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.