Mortgage to buy a house process:
1, loan application
Borrowers apply for loans from local banks. In addition to applying for small loans in rural areas, relevant information is required when applying for other types of loans.
(1) Basic information of the borrower and the guarantor;
(2) the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;
(3) Correcting the original unreasonable occupation of loans;
(4) List of collateral and pledge, certificate of consent of the person who has the right to dispose of the collateral and pledge, and relevant certificate of consent of the guarantor to guarantee;
5] Project proposal and feasibility report;
(6) Other relevant information deemed necessary by the Bank.
2. The bank's credit rating evaluation of the borrower.
First, the bank will evaluate the borrower's credit rating.
3. The bank conducts a loan survey on the borrower.
Banks will investigate the legitimacy, safety and profitability of borrowers.
4, bank loan approval
Banks carry out loan approval in accordance with the loan management system that separates loan approval from grading approval.
5. Sign a loan contract
The bank signs a loan contract with the borrower.
6. Bank loans
The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection
The bank will track and check the borrower's execution of the loan contract and the borrower's operation.
8. Loan repayment
When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If it is necessary to extend the loan, it should apply to the bank for extension before the loan expires, but it is up to the bank to decide whether to extend the loan.
Bian Xiao reminded: It is clearly stipulated in the loan process that housing loans must go through guarantee or insurance procedures, which is also clearly stipulated by the central bank in loan management. If the loan is paid off in advance, it means that the lender has overpaid the insurance or guarantee fee and can return it. However, due to cost and other reasons, the insurance company or guarantee company will not return it in full, but will make a certain discount.
(The above answers were published on 2015-11-30. Please refer to the actual purchase policy. )
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