1. What is the process of bank mortgage loan?
1. Loans need to bring a valid original ID card, household registration book and proof of marital status, as well as the applicant's income certificate or tax payment certificate for the last six months and property title certificate.
2. After accepting the loan application, the bank will evaluate the value of the mortgaged property and verify the loan amount according to the evaluated value. Then open a personal current deposit account and sign a loan contract. After handling relevant matters, the bank will lend money.
Second, what should I pay attention to in bank mortgage loans?
1. When applying for a housing loan, you should make a correct judgment according to your own economic strength and repayment ability. And make an objective forecast of your future income and expenditure.
2. At present, there are two repayment methods of loans, one is equal repayment, and the other is equal repayment of principal. Borrowers need to accurately grasp the amount of each repayment and plan the family's income and expenditure.
When applying for a loan, the bank will ask the applicant to provide proof of economic income. Applicants should provide true personal occupation and recent economic income certificates. Never make a false report, otherwise it will reduce the bank's trust in you and thus affect your loan application.
The borrower should provide his accurate address to the bank so that the bank can get in touch with you and ensure that he can receive the repayment notice from the bank on time every month. If you move to a new house in the future, you should inform the bank of the contact address and method in time.
Editor's summary: What is the process of bank mortgage loan? What should I pay attention to in mortgage loan? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.