Housing loan process:
1. Apply for a loan at the loan bank.
The borrower applies for a housing provident fund loan to the real estate credit department of CCB in all districts and counties with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (if both husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of husband and wife relationship).
2. Bank audit
According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions.
3. Sign a loan contract with the loan bank.
After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank.
4, to the property department for loan guarantee procedures.
There are two ways to guarantee housing provident fund loans.
5, housing mortgage insurance procedures.
After the borrower has gone through the mortgage or pledge formalities in the property right department, he will go to the loan bank to go through the home insurance formalities together with the loan contract, mortgage contract (pledge contract), house ownership certificate, mortgage certificate and other loan materials.
6. Sign the repayment agreement and transfer money.
If repayment is made by withholding savings card, the borrower shall apply for withholding savings card repayment at all savings outlets of CCB and sign a withholding agreement with the lending bank.
7. Bank remittance
The borrower shall go to the loan bank to handle the payment formalities according to the time agreed with the loan bank, and the loan bank will allocate the money to the house selling unit.
Loan repayment method
For individual housing loans with a term of less than 1 year (inclusive), the principal and interest will be repaid in one lump sum at maturity, and the profits will be paid off with the principal; You can also calculate the monthly (or quarterly) interest and settle the loan principal and interest at maturity.
Individual housing loans with a term of more than 1 year can be repaid with equal principal and interest repayment method, average capital repayment method and other methods recognized by Industrial Bank.
Repay the loan in advance
Because the mortgage lender who needs to repay the loan in advance needs to carefully check the application for repayment in advance and then review it, and the application also takes some time. If the lender wants to repay the loan in advance.
Under normal circumstances, after telephone or written request, I will keep my ID card and loan contract with the bank. As a trustee, I want to keep the real estate license well, settle other debt certificates that confirm the pledge at the bank, and go to the district construction committees to learn about the pledge.
What is not taken seriously is that if the diners don't have a one-time knot. The original policy and invoice can be booked by calling the relevant security companies.
If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.