Look at the following, and you will understand this process.

First of all, the application: the borrower fills in the application form at the loan processing outlet with the following supporting documents: ☆ valid identity documents; ☆ marital status certificate; Pledge and mortgage documents. Where a guarantor provides a guarantee, there must be a guarantee document. The second is the bank's loan review: the bank investigates the borrower's guarantee and credit, approves it according to the procedure, and informs the approval result.

First of all, application: the borrower fills in the application form at the loan processing outlet with the following supporting documents:

☆ Valid identity documents;

☆ marital status certificate;

Pledge and mortgage documents. Where a guarantor provides a guarantee, there must be a guarantee document.

The second is the bank's loan review: the bank investigates the borrower's guarantee and credit, approves it according to the procedure, and informs the borrower of the approval result.

The third is to sign a contract: after the borrower applies for approval, he shall go through the following procedures;

☆ Sign loan contracts and corresponding guarantee contracts with banks;

☆ Handling notarization, insurance, mortgage (pledge) registration and other procedures;

The fourth is to issue loans.

Since the developer will designate a bank to handle the mortgage loan, it doesn't take a long time to actually issue the loan, but usually half a day is enough.

Press and display the fee.

Bank mortgage fees mainly include:

☆ Insurance premium: loan amount × 1.2 times × one thousandth × year × discount;

☆ Other warrant fees: generally between 200 yuan and 300 yuan;

☆ Notarization fee: generally between 200 yuan and 300 yuan;

☆ Attorney's fees: Some are calculated according to each order, generally each order is between 200 yuan and 500 yuan; Some charge 0.25% ~ 0.3% according to the house price;

☆ Mortgage registration fee: generally 0.3 yuan/m2.

Take a house with a price of 100 square meter and 800,000 yuan as an example, the total cost of this part is about 2,000 yuan.

Procedures required for commercial housing loans

The purchase price of the house

When buying a house, the purchase price is calculated according to the following standards:

Deed tax: the amount is 65438+ 0.5% of the house price. Generally, half of it is paid, and the other half is paid after you get the real estate license;

☆ Stamp duty: the amount is 0.05% of the house price, which will be paid when the transaction is verified;

☆ Transaction fee: generally, it is 2.5 yuan per square meter, which is also paid at the time of transaction verification;

☆ Ownership registration fee: 100 yuan to 200 yuan;

☆ Property ownership fee: ranging from 5 yuan to 20 yuan. If there is more than one property owner, there will be an extra charge for each copy of 5 yuan;

☆ Drawing fee: from 35 yuan to 130 yuan;

☆ Measurement fee: charged according to the construction area of the purchased house, with the standard of 0.30 yuan/m2.

Take a house with 100 square meter and a house price of 800,000 yuan as an example, the total cost of this part is180,000 yuan.