The borrower shall explain the purpose, amount, duration and time of the loan. If the loan application meets the loan category, then you need to prepare the corresponding information.

Second, prepare loan information.

If it is a personal housing mortgage loan, you need to provide your own and your spouse's ID card, household registration book, income certificate, corresponding contract for personal consumption, proof of marital status, and house ownership certificate.

If an enterprise needs to mortgage real estate, the materials it needs to provide include: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the last six months, financial statements of last year and the last six months, and asset certificates (different materials will be provided according to different banks).

Third, the evaluation of the house

After submitting the above materials, the bank shall conduct on-the-spot investigation and evaluation of the mortgaged property according to the submitted materials. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.

Fourth, loan approval.

Submit all loan review materials and evaluation reports or investigation opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information. If anything is omitted, it will affect the loan progress.

Verb (abbreviation of verb) notarization of loan contract

The borrower-level mortgagor fills in the loan contract and all relevant documents, signs them, and notarizes them by the notary.

Six, mortgage registration procedures

The bank goes to Chaquan for mortgage registration with the house ownership certificate and notarized loan contract.