Because the house price is very high now, most people need to borrow money from banks to buy a house. Recently, a friend asked Bian Xiao where he could get a mortgage loan contract. Today, Bian Xiao will answer your questions. Friends who want to know may wish to have a look with Bian Xiao. What is the process of housing loan processing?

1. Where can I get a mortgage contract?

The loan contract was taken at the loan bank. It usually takes some time to approve a loan. After the loan is approved, the bank will notify the applicant and then go to the loan bank to collect it.

Second, what is the process of handling the house purchase loan?

1, first choose a reliable real estate developer.

2. After confirming whether the building has cooperated with the bank, it is an important issue to confirm whether the mortgage loan can be successfully handled.

3. Next, apply for a mortgage loan.

4. Sign a house order contract. After the bank reviews the property buyers and meets the loan conditions, it will issue a notice of consent to the loan or a letter of commitment to handle the loan to the applicant.

5. Next, the buyer signs the pre-sale and sales contract with the developer or agent.

6. The next step is to sign the house mortgage contract. First of all, we should have a detailed understanding of the amount, term, interest rate and repayment method of the loan.

7. Then apply for mortgage registration and insurance. Under normal circumstances, the loan period is relatively long, so in order to reduce the loan risk, the loan bank will require the applicant to apply for life insurance and property insurance.

8. Next, open a personal bank account dedicated to repayment.

9. After going through a series of relevant procedures, it is necessary to transfer the loan to the developer's supervision account at one time as the purchase price.

10. Finally, the lender only needs to repay the loan on time every month according to the provisions in the contract.

Bian Xiao concluded: The above is the mortgage loan contract and housing loan processing flow shared by Bian Xiao. I believe that everyone will have a corresponding understanding after reading the above sharing. If you need more information, please continue to pay attention to Qijia. Com website, Bian Xiao will answer them one by one.

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