2. Submit application: The borrower shall fill in the application for personal housing loan as required, and provide ID card, proof of husband-wife relationship, income certificate, house purchase contract, down payment certificate and other materials.
3. Pre-loan investigation: After accepting the loan application, the handling bank will investigate the completeness, authenticity, validity and legality of the application form and required materials submitted by the loan applicant.
4. Loan approval: After investigation, the manager shall record the situation and review opinions on the Approval Form for Individual Housing Loan, and submit the Approval Form for Loan and the approval materials to the person in charge of the credit department; The person in charge of the credit department shall sign the approval form and submit it to the president in charge of the branch for approval. Beyond the approval authority of the branch, the branch shall sign the opinions and report to the credit approval authority of the superior bank for approval.
5. Signing: After the loan is approved, the handling personnel will sign the contract according to the requirements of different loan purposes and loan guarantee methods, and the borrower and the bank have the right to sign relevant contracts.
6. Handling mortgage registration and insurance notarization: After signing the contract, the borrower needs to handle mortgage registration and insurance notarization procedures and sign the mortgage contract. After signing, the Credit Department will register the "Collateral and Warrant Register" item by item according to the collateral; According to the value of collateral, fill in the "Notice of Bank Collateral Receipt", and affix the name stamp of the manager, the official seal of the business department and the name stamp of the borrower; Give the mortgage certificate and pledge certificate to the custody department and the accounting department.
7. Lending: After receiving the payment notice from the Credit Department and checking that it is correct, the accounting department will handle the loan transfer procedures according to the relevant regulations and procedures, and the transfer methods are direct payment or special transfer.
8. Loan recovery: The borrower can choose two repayment methods, one is entrusted deduction, and the borrower needs to sign an entrusted deduction agreement with the loan bank. The second is the counter repayment method, where the borrower can hand over cash or credit card or savings card to the counter manager for handling.
General conditions of housing loans
Banks applying for individual housing loans must meet the following conditions:
1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;
2. Have a stable occupation and income;
3, have the ability to repay the loan principal and interest on schedule;
4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.
5, there is a contract or agreement to buy housing;
6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;
7. Other conditions stipulated by the lending bank.