Although the loan was approved, there were problems in the process of lending and it was impossible to lend money. At this time, you need to communicate with the staff in time. In addition, loan issuance requires manual review and takes a certain amount of time.

First, the process of buying a new house with a loan

1. Before applying for a loan, buyers need to know whether the purchased building has a letter of commitment from the bank to provide personal housing loans. Then, the property buyers apply for individual housing loans, fill in the loan application approval form, and submit the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank;

2. Developer: As the loan guarantor, sign and seal the guarantor's opinion column of the loan application approval form;

3. Loan bank: the loan officer will review all the materials and documents submitted by the loan applicant and approve them step by step;

4. The loan bank takes back the completed materials and issues loans according to the legally effective loan contract;

5. Go to the housing management department: go through the registration procedures for real estate mortgage;

6. Inform the developer to recover the loan contract, and the developer will issue a certificate of paying off the house payment to the loan bank;

7. Inform the buyer to recover the loan contract, IOU and insurance policy;

8. The loan officer of the loan bank files the loan. Specifically, you can also consult the items you want to buy and the bank that handles the mortgage loan for new houses.

Second,

Second-hand housing loan process

1. Submit the materials required for the second-hand housing loan.

The buyer needs to provide: ID card, household registration book, marriage certificate or divorce certificate+divorce agreement or court judgment (only for married or divorced people), income certificate, bank account within 6 months, loan bank savings card, and submit the purchase contract at the same time, that is, the stock house sales contract.

2. The bank's appraisal of the house applying for loan.

General banks will be evaluated by professional institutions.

3. Bank approval

After the approval, the bank will issue a loan approval letter to prove to the seller that the bank agrees to lend to the buyer, and the seller can safely transfer the house to the buyer.

4. Transfer of ownership

After the implementation of the real estate registration system, buyers and sellers can now directly register the names of buyers on the real estate license by changing the original real estate license into the real estate license at the real estate registration agency.

5. Give the title certificate to the bank as collateral.

Go to the real estate registration department to apply for the real estate registration certificate, which proves that the bank has the mortgage right to the real estate, and the general bank will hand it over to a specialized agency for mortgage.

6. Bank loans

After completing the relevant procedures, the bank will transfer the loan to the bank account opened by the seller in the loan bank in one lump sum or by stages according to the relevant contract, so that the procedures for second-hand loans are basically completed.