The process of applying for a loan:
1, application stage. Customers apply to lending institutions and fill in some application materials to submit.
2. Audit stage. The borrower will review the application materials submitted by the borrower.
3. sign the contract. After approval, both parties will sign a loan contract and a guarantee contract according to the specific circumstances.
4. Issue loans. Lending institutions issue loans according to the amount agreed in the contract.
5. loan settlement. Loan settlement includes normal settlement and early settlement, which you can choose by yourself.
Basic loan conditions:
1, no more than 65-70 years old;
2. Have a work unit and a stable income, and have the ability to repay;
3. The house property rights should be clear and can be listed and traded;
4. The mortgaged house is not within the scope of demolition and has a real estate license;
5. The mortgaged house can be the borrower's own property or the property of others;
6. Houses jointly owned by husband and wife must be approved by the co-owners.
Loan processing flow:
1. Prepare materials, including ID card, marriage certificate, household registration book, real estate license, purchase contract or invoice of husband and wife, and personal account statement for the last six months;
2. Initiate an application in a lending institution and submit materials. Lending institutions will review your loan application, personal qualifications, housing conditions, etc. , and determine whether you can pay and evaluate the value of the house.
3. If it is determined that the next payment can be made, the borrower needs to go through the mortgage registration formalities at the local housing management office with the real estate license, and the lending institution signs a loan contract with the borrower and arranges the next payment.
It is suggested that you know the handling conditions, what materials to submit and the handling process in advance when handling the real estate mortgage loan, so that you can get twice the result with half the effort and make no mistakes.