The process of applying for a loan is similar to other banks. The materials submitted by the borrower will be accepted by Hangzhou Bank, and the applicants who do not meet the audit will be given a reply. The borrower who has passed the examination will sign a loan contract with Hangzhou Bank, that is, a mortgage contract. After signing the contract, Hangzhou Bank will implement the guarantee conditions and set the specific amount and term of the borrower in the West Lake Card. You can also activate the relevant quota directly at the bank counter according to the applicant's needs. Then, the process of applying for a loan will come to an end.

Whether the materials are properly prepared is directly related to the success or failure of the loan. To apply for individual housing revolving loan, Hangzhou Bank requires the borrower to provide-

1, valid identity documents, household registration certificate and marital status certificate of myself and my spouse;

2. Proof of occupation and income of myself and my spouse, including the bank settlement account statement of the last six months before the application. Among them, customers applying for business loans need to provide the industrial and commercial business license of Hangzhou main city and the property right certificate of the business premises or the lease contract within the validity period;

3. Proof of ownership of mortgaged property;

4. Real estate value confirmation materials for mortgage;

5. Other information required by Hangzhou Bank. Mainly personal asset certificates, real estate, vehicles, deposits, stocks, funds, etc.

The repayment method of personal housing revolving loan of Hangzhou Bank is slightly different from his home, so everyone needs to pay attention. During the general loan period, the borrower can withdraw the loan amount circularly, and the loan principal can be returned in installments or at one time at the business outlets of Hangzhou Bank. The loan interest shall be repaid by quarterly interest settlement, and the remaining principal and loan interest must be paid off in full before the loan expires.