The process of using personal consumption loans to buy a house is as follows:
1. The borrower fills in the application for housing mortgage and submits the following supporting materials to the bank:
The borrower's fixed income certificate issued by the borrower's unit;
Credit certification documents such as business license and legal person certificate of the loan guarantor;
Legal and valid identity certificate of the borrower;
Proof of the ownership of the house or proof that I have the right to control the house according to law;
Appraisal report, appraisal report and insurance certificate of mortgaged real estate;
Contracts, agreements or other supporting documents for the purchase and construction of houses;
Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping.
4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank will transfer the deposit and loan to the borrower.
Housing sales unit or construction unit specified in the purchase contract or agreement.
Finally, I want to remind you that it is best to choose a formal bank or platform to apply for a loan. Anyone who pays in advance is a liar.
Never fall for it.
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