I. Handling loan procedures:
1. First, go to the bank to find out the situation.
2. Apply for personal housing loan with all relevant materials.
3, and then accept the bank's review, and determine the loan amount.
Next, you can apply for a loan contract, and the bank will handle insurance.
5, for property mortgage registration and notarization.
6. The last thing left is the bank loan, the borrower's monthly repayment and the cancellation of registration after paying off the principal and interest.
Two. Information required for mortgage loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required).
2. The original purchase agreement.
3. Original and photocopy of advance payment receipt for 30% or more of the house price 1 copy.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Extended data:
There are two possibilities for buying an auction house to repay the loan.
1. After paying the down payment, go to the bank to sign the loan contract. After the developer and your information are complete, the bank will immediately review and approve your loan and give it to the developer, and then you will start to repay the loan.
2. After paying the down payment, sign a loan contract with the bank. Developers may only prepare information when the house is capped or completed so that the bank can approve the loan. (In this way, developers will also ask to sign the contract first, so there are two considerations: first, sign the loan contract when signing the contract, so that customers can run less.
Because many commercial houses are developed by a development company and sold by another agent, it is necessary to see clearly whether there is an agreement between the agent and the developer to sell them, and only those who have an agreement to sell the houses can buy them with confidence. Of course, buying commercial housing from reputable and well-funded development companies can enjoy more one-time payment discounts, thus enjoying the benefits brought by housing appreciation.
Baidu encyclopedia-bank mortgage loan
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