The basic process of mortgage loans is as follows:

1. On-site viewing;

Loan officers, intermediaries, appraisers, buyers and sellers go to the place where you apply for a mortgage loan. House site inspection of the house.

2. Property rights verification;

The property owner and the person with the most authority (seller) bring the original ID card and the original real estate certificate to the Housing Authority to submit the original ID card and Original copies of the property book, verification, and relevant procedures.

3. Sign the contract;

The bank carefully checks and verifies the original information of the customer, identifies the authenticity of all signatories, supervises the customer's signature, and collects the original real estate certificate and deposit (specific amount Determined by the buyer and seller), copy the information and remind both parties to open an account with the bank.

4. Fill in the contract;

The bank will sort out the information and fill in the contract based on the relevant information provided by the customer.

5. Payment obligations;

After passing the pre-examination of charging fees, the bank will notify the customer to pay;

6. Property rights transfer;

The buyer and seller handle the property transfer procedures with the help of the Housing Authority.

7. The lender prepares relevant materials and goes to the bank to handle the mortgage procedures;

8. The bank lends money.