To buy a house by mortgage loan, you need to sign a building mortgage loan contract with the bank. The mortgage loan procedure is as follows:

1. Choose real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate.

Step 2 apply for a mortgage loan

After confirming that the property you choose has bank mortgage support, buyers should understand the bank's regulations on mortgage loan support for buyers, prepare relevant legal documents and fill in the mortgage loan application form.

3. Bank comments

After accepting the loan application of the purchaser, the bank shall examine the qualification of the purchaser from the aspects of civil subject qualification, credit status and repayment ability to confirm whether it meets the prescribed conditions. If a property buyer blindly signs a house purchase contract with a developer without obtaining the bank's mortgage loan support, and can't get a mortgage loan without meeting the bank's conditions, it will be passive outside the funds, forcing them to choose other payment methods, thus affecting their own financial arrangements, and even giving up buying a house, resulting in the loss of deposit.

4. Sign a house purchase contract

After receiving the mortgage application and relevant legal documents submitted by the buyers, the bank will send the loan consent notice or mortgage loan commitment letter to the buyers after confirming that the buyers meet the mortgage loan conditions.

5. Sign a house mortgage contract

After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

6. Apply for mortgage registration and insurance.

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion.

7. Open a special repayment account

After signing the building mortgage loan contract, the purchaser shall open a special repayment account in the financial institution designated by the bank and sign a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account. Bank mortgage interest rate, the borrower can use the bank mortgage loan calculator for accounting.

2. Is the loan agreement number of CITIC Bank the contract number?

Why is the loan agreement number of CITIC Bank loyal? In order to better identify the transaction, each loan will correspond to a contract number. You can check it carefully at the top of the contract or in an obvious place, or ask the bank staff for the number and address, which is conducive to inquiring at any time when there is an abnormality.

The loan agreement number of CITIC Bank refers to the number of the loan contract. Because many people may lose or damage the loan contract, it is necessary to keep the contract number for faster inquiry.

Loan association

The main contents include loan currency, loan term and compensation, and European banks are particularly worried about exchanging dollars. Therefore, it is stipulated that when the dollar is insufficient, it has the right to claim terms or multiple currency options.

In terms of prepayment, breach of contract, guarantee, negative guarantee, jurisdiction, place of payment and use of funds, almost all American banks need promissory notes as evidence of liabilities, but most British banks do not, such as tax clauses and installment clauses.

3. What happened to the Sino-German peace treaty of1935?

1935, China and Germany signed a three-year cooperation treaty.

1935, China and Germany officially upgraded their embassies in the other side to embassies. Soon, the most important Sino-German cooperation was grandly launched, and the two countries jointly formulated the Outline of China's Heavy Industry Construction and the Sino-German Three-year Plan. Obviously, this plan is used to deal with the Japanese.

In the "Sino-German Three-Year Plan", Germany will help China to build 17 factories in the southwest and other places, including heavy industrial factories, mines and power plants such as steel, machinery, electric power and chemical industry. Through barter trade, China will provide rare minerals in exchange for German technology and equipment. As a guarantee, Germany provided China with an indefinite revolving loan of 6,543.8 billion imperial marks, which China can use for cash transactions at any time. In addition, the three-year plan trained a group of highly educated technical officials for China, who played a great role in the subsequent war.

Four. Bank loan treaty

I. Learn the Interim Measures for the Administration of Personal Loans issued by the CBRC. See: /view/3365570.htm#sub3365570.