What is the process of handling mortgage loans?
1. Sign the house sales contract. Of course, this is only an intentional contract. Don't transfer the ownership yet, and don't pay the down payment. The down payment depends on the terms you talked with your previous hand.
2. Submit a loan application to the bank. After accepting your application, the bank will ask you to provide supplementary information if the information is incomplete or insufficient. The general approval time will be about 2 weeks.
When the bank has approved your loan application instead of your loan, you should pay attention. You should ask the bank manager when you can arrange to release the loan after the mortgage is completed. After confirmation, you can handle the transfer and pay the down payment. It should be noted here that the general bank requires the down payment to be paid at the handling bank, but you don't recognize it at other banks.
4. Sign loan contracts with banks, pay various fees, and handle mortgage and insurance. When signing a loan contract, you should read the terms clearly, because most bank managers do these loan contracts in batches, and mistakes and omissions are inevitable.
5. Go through mortgage and insurance procedures.
6. loans. Some banks need customers to go to the bank again to apply for loans. Remember to ask the bank for a loan contract and loan receipt that belongs to you after the loan is finished, and the second-hand house will also have insurance policies, evaluation books and so on. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.
Do you need a new bank card for mortgage?
If you need a bank card to apply for a mortgage, this bank card is your future repayment card. You need to deposit money into the card on time every month, and it will be automatically deducted on the repayment date. You need to make sure that the amount deducted from the card is enough. If you have a bank card of the loan bank, you don't need to apply for a new one. If not, you need to apply for a new one.
The article is Bian Xiao's detailed knowledge about how to handle the mortgage loan process and whether a new bank card is needed for mortgage loan. I hope I can help you. When you apply for a mortgage loan, you need to master the basic loan process and follow the prescribed process. Generally, you need to apply for a new card to repay the mortgage.