To get a mortgage loan from an online merchant, you must first have real estate (self-occupied housing, commercial and residential housing) in your name. A mortgage loan is to obtain a one-time or A loan that is revolving for consumer or business purposes. In addition, the borrower must be over 18 years old, have full capacity for civil conduct, have a fixed residence, a stable source of economic income, the ability to repay the principal and interest of the loan, and have good credit.

Detailed application process:

1. A house mortgage loan requires the preparation of all information, including the couple’s identity cards and household registration, marriage certificate, real estate certificate, house purchase contract or personal account bank statements for the past six months. bill.

2. When taking out a house mortgage loan, the bank will review the borrower's loan application, house purchase contract, agreement and related materials. The borrower submits the property title certificate and insurance policy or securities of the mortgaged property to the bank for collection. The guarantors of both the borrower and the borrower sign a housing mortgage loan contract and have it notarized.

3. After the contract is signed and notarized, the bank's deposits and loans from the borrower will be transferred to the house selling unit or building unit specified in the house purchase contract or agreement.

4. The couple’s ID cards, household registers, marriage certificates, real estate certificates, house purchase contracts or evidence, and bank statements of personal accounts in the past six months.