Steps to apply for a real estate mortgage: 1. Apply for a personal loan first; 2. Prepare loan materials in advance; 3. House inspection and evaluation; 4. Apply for loan approval; 5. Notarization of loan contract; 6. Mortgage registration; 7 , bank account opening, payment. The lender submits a home loan application to the bank, detailing the purpose, amount and mortgage property of the loan. If the application complies with the bank's regulations, the bank loan manager will explain the detailed application process and what materials to prepare to the borrower. Usually there are the borrower's ID card, bank statements, personal credit report and homeowner's real estate rights, etc.

What are the steps for house mortgage application?

After the bank borrows the information, the bank will go to the house to conduct an on-site inspection and conduct a value assessment. Give a reference price based on the location, surrounding environment, etc. of the house to determine how much the house is worth. The bank submits the house appraisal report and the previous application materials to the bank for loan review. Based on the value of the house and the individual's repayment ability, the bank determines whether the loan can be loaned and the amount of the loan. After the loan is approved, the bank notifies the lender to sign the contract, which must be notarized at a notary office, and then go to the real estate center to go through the mortgage registration procedures. After the above procedures are completed, the bank will transfer the loan to the borrower's personal bank card. As stipulated in the loan contract, repayments must be made on time and must not be overdue. After the house loan is paid off, the bank must issue a settlement certificate and go to the real estate center to go through the procedures for releasing the mortgage on the house.