First of all, the bank will know the basic information of the applicant, such as checking the applicant's ID card, household registration book and marriage certificate (or unmarried certificate). If it involves borrowing money from immediate family members, the bank will also check the relatives' ID cards and household registration books.
2. Assess the economic status and repayment ability of the applicant.
For example, verify the income certificate of the loan applicant, the bank flow for three months or half a year, what work unit it is, and whether the job is stable. , and comprehensively evaluate the applicant's economic situation and repayment ability. The applicant is a housing provident fund loan, and it is also necessary to verify the proof that the applicant paid the provident fund on time.
3, review the applicant's loan information
For example, the risk of a loan is assessed according to the age, income and working years of the loan applicant. For example, if you are about to retire, then if you apply for a 10 or 20-year mortgage, the possibility of passing this loan is very low; Or your monthly housing provident fund deposit is not high, but you want to apply for more than the maximum amount of provident fund loans, then such an application will also be rejected by the bank.
4. Verify the applicant's purchase information.
Investigate the loan applicant, including the purchase contract or agreement signed with the developer, the proof of purchase payment, and also investigate how many suites there are under the name of the purchaser and whether there are mortgage records.
What should I pay attention to when handling a mortgage?
1, and choose the appropriate repayment method.
At present, there are two common ways of mortgage repayment: equal principal and interest repayment and equal principal repayment. Among them, the latter is more economical than the former, but the pressure of prepayment is greater, and borrowers can make reasonable choices according to their own income.
2. Apply for a mortgage according to your ability.
Some people think that the bigger the loan amount, the better, but it is not! Then the more interest you pay on the loan, which increases your repayment pressure. Because after you get it, you have to repay the mortgage and pay interest. If your loan term is longer, the loan amount will be larger.
3. Repay in full and on time.
After obtaining the loan, the borrower must repay the loan in full and on time in accordance with the provisions of the loan contract, so as not to leave a bad credit record and cause unnecessary trouble.
4. Prepare loan information in advance.
It is also very important that there is no bad credit record in bank loans or credit card repayments. If yes, you must apply for cancellation or issue relevant certificates. Copy of ID card, copy of household registration book, copy of education certificate, copy of marriage certificate or single certificate, copy of income certificate and bank account, copy of house purchase contract and down payment invoice, social security related certificates, etc.
Remember to cancel the mortgage after paying off the loan.
After the borrower pays off the mortgage, don't forget to go through the mortgage cancellation procedures, otherwise the house will always be mortgaged in the bank, and it will be impossible to apply for a real estate mortgage loan in the future.