Real estate mortgage loan handling process:

1. Application: The borrower shall fill in the application form at the loan handling outlet with the following supporting materials:

Valid identity documents;

Proof of marital status;

Pledge and mortgage documents, if the guarantor provides guarantee, there must be guarantee documents.

II. Bank loan review: The bank investigates the borrower's guarantee, credit and other conditions, conducts examination and approval according to procedures, and informs the borrower of the examination and approval results.

Third, sign a contract: after the borrower applies for approval, he shall go through the following procedures:

Signing loan contracts and corresponding guarantee contracts with banks;

Go through notarization, insurance, mortgage (pledge) registration and other procedures.

Iv. Loan issuance: After the borrower has gone through the relevant formalities, the bank will issue the loan to the borrower's personal account and transfer the loan to the relevant payee's account according to the borrower's entrustment. Since the developer will designate a bank to handle the mortgage, the actual lending time will not be very long, usually half a day is enough.

Problems needing attention in housing mortgage loan

1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will apply.

Less than provident fund loans.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC's customers can apply to ICBC for extending the loan term. After investigation and verification by the bank, there is no default.

If you repay the loan principal and interest, ICBC will accept your application for extending the loan term.

4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where the real estate is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged real estate.

6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.