2. After investigation and approval by the bank, open a deposit account or bank card in the bank and go to the housing management department for real estate appraisal.

3. The borrower and the mortgagor shall sign the maximum mortgage contract and loan contract at the bank with the appraised property right certificate, identity certificate, marriage certificate and relevant loan use certificate, and go through the mortgage contract registration and insurance procedures.

4. After completing the above procedures, the lending bank will transfer the money to the deposit account or bank card opened by the borrower in the bank.

5. The borrower deposits enough money in his wealth management card account to pay the repayment amount of each installment, and pays off all the principal and interest on the due date.

6. After the loan is returned, the loan bank cancels the collateral and returns it to the customer.

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1. Application materials for real estate mortgage loan

1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)

2. Identity cards of the obligee and his spouse

3, the holder and spouse's household registration book

4. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )

5. If the property owner has minor children, please provide birth certificate.

6. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.

7. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).

Second, the real estate mortgage loan process

1. For the loan application, the borrower proposes the purpose, amount and duration of the loan.

2. Prepare loan materials. The borrower shall prepare all the documents and certificates required to apply for a loan as required.

3. Housing evaluation: relevant institutions conduct on-the-spot investigation and evaluation of mortgaged houses.

4. Submit the loan approval, and submit all the loan application materials together with the evaluation report or investigation opinions to the bank for approval.

5. Notarization of loan contract. After the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary.

6, mortgage registration procedures, the bank with the housing ownership certificate and loan contract certificate to the housing management department for mortgage registration.

7. Opening an account and lending. The borrower opens a repayment account and the bank lends money to the account.

Third, real estate mortgage loan.

Generally speaking, housing mortgage loan, also known as mortgage, means that the bank provides the lender with most of the purchase money, and the purchaser pays the principal and interest to the bank in installments with stable income, but before paying off the principal and interest, he borrows from the bank with his purchase contract as collateral. If the buyer can't pay the principal and interest on time, the bank can sell the house to offset the debt.

Four, housing mortgage matters needing attention

1. Only relevant collateral can be used for normal handling, and the sum of loan amount and interest during the loan period cannot exceed half of the assessed value of collateral.

2. The borrower needs to pay attention to a long-term and stable income source that can pay the monthly loan principal and interest.

3, need to be able to submit the relevant guarantor.