ID card and photocopy of the loan applicant. The residence booklet and photocopy of the loan applicant (if the lender and the mortgagor are not the same person, the residence booklet and photocopy of both the mortgagor and the mortgagor shall be provided at the same time). The lender is single and needs to provide proof of unmarried. Proof of the borrower's income. The lender's real estate license and its copy. Proof of loan use.

What are the housing loan processes?

1. Submit a loan application

After signing the house sales contract, you can apply for a loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it must be submitted to the bank for approval, which is the most important step in the loan process.

2. The bank is under investigation.

After the bank receives the loan application materials, it will review them. The review time is generally 15 working days, and the longest is not more than 1 month. During this period, the bank will ask the applicant to supplement some information according to the situation, so the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and approval

After that, the bank will verify and approve the housing situation and the borrower's qualification and credit, which is an important link in the loan process. If the loan applicant has bad credit, it will lead to loan failure, so it is necessary to ensure good personal credit at ordinary times.

4. Both parties shall go through relevant formalities.

After the loan is approved, the applicant needs to open an account in a bank, get a debit card, sign a loan contract, and go through relevant guarantee procedures such as mortgage, guarantee, pledge and insurance. When signing a loan contract, it is necessary to know the contents of the contract in detail, clarify the rights and obligations, and avoid unnecessary misunderstandings.

5. Banks issue loans.

After all the loan procedures are completed, the bank will transfer the loan funds into the account of the real estate developer, and the loan relationship will be established, and then the lender will repay the loan according to the regulations.

Bian Xiao concluded: The above is what information is needed for housing loans. I believe everyone understands! Buying a house loan requires a lot of materials, and the prepared material information must be accurate and reliable, and the loan should be operated step by step.