(1) Both parties sign a house purchase and sale agreement to determine whether they can apply for a loan.
(2) Regarding the bank, preparation materials: provided by the buyer.
Valid identity documents, household registration book, proof of marital status, proof of income, other assets certificates of the applicant and spouse, and statement of consent to mortgage of real estate. If there are no * * * people, the spouse can sign the spouse commitment letter. If there are * * * people, it is necessary to have the signature of * * people on the mortgaged property, the investment passbook, the down payment certificate (receipt) and the property sales contract. The seller shall provide: one copy of ID card (husband and wife), marriage certificate, household registration book (husband and wife), bank transfer passbook and real estate license.
(3) After the materials are submitted completely, wait for the bank to approve the loan.
(4) After the bank approves the loan, transfer the new real estate license to the local housing management department.
(5) Fill in the mortgage registration application form and prepare the mortgage registration materials with bank signature.
(6) Go to the housing management department for mortgage registration. The housing management department has issued a certificate of other rights, and the real estate license and other rights are being submitted to the bank.
(7) Lend money from the bank within 3-4 working days, and go to the bank to get the real estate license and bank loan contract after one month.
Legal basis: Notice of the People's Bank of China, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission on issues related to the individual housing loan policy, and continue to provide housing financial services to meet the residents' demand for improved housing. Encourage banking financial institutions to continue to issue commercial individual housing loans and housing provident fund entrusted loan portfolio loans to support households to buy ordinary self-occupied housing. For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.