The procedures for handling housing mortgage loans are: determining mortgage service companies and loan schemes, and signing housing sales contracts; Prepare loan materials, review loan qualifications and sign loan agreements; Handle the house transfer and mortgage procedures, and handle the real estate license and mortgage certificate; Waiting for a bank loan. Article 25 If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. Article 29 All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law. Article 30 The lender shall issue the loan on schedule as agreed in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.

Second, what is the bank mortgage loan process?

The correct statement of bank mortgage should be mortgage loan for house purchase, or what is the process of applying for a loan from a bank as collateral?

1. Choose real estate

2. Extrusion treatment

3. Bank review;

4. Sign a house purchase contract;

5. Sign a house mortgage contract;

6. Handle mortgage registration and insurance;

7. Open a special repayment account

As long as you follow the above seven steps, you can complete the bank mortgage loan process. Of course, the bank mortgage loan process may be operated because of the different requirements of banks and developers.

In addition, when buyers choose mortgage to buy a house, they need to provide mortgage bank (information:

1, legal and valid identification;

2. Proof of fixed economic income;

3. The original commercial housing sales contract witnessed by the real estate management department;

4. Other documents required by the lending bank.

Third, bank mortgage loans.

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