The mortgage approval bank depends on the discrepancy of the applicant's bank account, that is, the bank's running water and balance, so as to verify the applicant's repayment source and ability.
The process of applying for mortgage loan
1. Buyers who apply for mortgage loans should know the bank's regulations on mortgage loan support for buyers from the bank or the law firm designated by the bank, prepare relevant legal documents, and fill out the mortgage loan application form after confirming that the property they choose has the bank's mortgage support.
2. The bank that signed the house purchase contract received the relevant legal documents of the mortgage application submitted by the buyers, and after examining and confirming that the buyers meet the mortgage loan conditions, it issued a loan consent notice or a mortgage loan commitment letter to the buyers, so that the buyers could sign the pre-sale and sales contracts with the developers or their agents.
3. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and defines the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
4, mortgage registration, insurance buyers, developers and banks with the "housing mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration.
5. After the signing of the mortgage loan contract, the buyer opens a special repayment account in a financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.
Note: After the bank confirms that the buyer meets the mortgage loan conditions, fulfills the obligations stipulated in the Building Mortgage Loan Contract and goes through the relevant formalities, the bank will transfer the loan to the bank supervision account opened by the developer at one time as the purchase price of the buyer.
Extended data:
I. Application materials for housing mortgage loan
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. Original purchase agreement
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number 1 copy.
Second, the housing mortgage loan conditions
1, with legal status.
2. Have a stable income, good credit and the ability to repay the principal and interest of the loan.
3. There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.
4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the down payment of purchased (overhaul) housing.
5. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.