The process of applying for housing mortgage loan is as follows:
1. You need to open a current deposit account with a banking institution.
Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank.
3. The bank agent or appointed lawyer will visit you at home to investigate the authenticity, legality and completeness of the information you provide.
4. After the bank has passed the examination and approval, it will inform you of the examination and approval result and sign a loan contract with you.
5, according to the situation for insurance, mortgage registration, notarization and other procedures.
6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract.
7. Please repay the principal and interest according to the loan contract.
Extended data
The significance of real estate mortgage loan is as follows:
1. Provide financial support for real estate development and operation.
Because real estate development has the characteristics of large investment and long construction period, it needs a lot of money from all sides to run, and it is difficult to maintain it only by developers' own funds.
2. Support housing consumption
Whether from abroad or from the practice of domestic housing commercialization development, buying a house is not an easy task.
3. It is beneficial for banks to develop new business and reduce credit risk.
Real estate is one of the pillar industries of the national economy. Through the reform of housing system, housing, as a consumer product, has entered thousands of households, with great market and development potential. The timely provision of mortgage loans by banks is helpful to broaden the supply market of real estate debt funds.
4. It is conducive to promoting the development of the whole real estate system.
Although the real estate market in China has developed for more than 10 years, and some years are the "bright spots" of national economic development, the whole real estate market is still very backward and the market system is still imperfect.
5. Conducive to the government's macro-control.
While promoting the development of the real estate market system, housing mortgage loan is also an effective tool for the government to carry out macro-control.
6, is conducive to improving the housing conditions of residents.
Housing mortgage loan can improve residents' housing conditions and living standards. For example, the United States can not only meet the housing needs of its residents in quantity, but also reach a higher level in the quality of life.
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