1. Take the original ID card to the counter of the bank to consult the staff, or we can call the customer service phone of the loan bank and make an inquiry through voice prompts.
2. You can check online. For example, download the APP of the loan bank. After logging in, click My at the bottom of the page, click Liabilities on the page, choose personal housing loan in the loan, click three points on the right in the loan details, and click View Contract on more pages. If it is a provident fund loan, you can log on to the local provident fund website and click the loan information query on the account information page to see the loan contract number and other information.
How to apply for a loan to buy a house
1, house selection: First of all, buyers choose their own houses according to their actual conditions. After choosing a house, it is best for buyers to know about the loan conditions of the bank first, and make sure that they meet the loan conditions, and this house can be purchased by applying for a loan.
2. Pay the down payment and sign the contract: The next step is to pay the down payment and sign the house purchase contract. Property buyers must carefully read the contents of the purchase contract, focusing on the details of the house, liability for breach of contract, delivery standards, etc. If the property buyers have other matters that need to be supplemented, they can also negotiate with the developers to add supplementary terms.
3. Submit loan application: after the down payment is paid, the buyer can submit a loan application to the loan bank after signing the house purchase contract. When submitting a loan application, you need to attach the lender's identity certificate, income and work certificate, marriage certificate and other materials. These materials can also be consulted with the bank in advance and fully prepared.
4. Sign a mortgage contract: If the loan application submitted by the purchaser is approved by the loan bank, the loan bank will inform the applicant to sign a personal housing mortgage loan contract. Under normal circumstances, due to the relatively long term of mortgage loans, banks will require buyers to apply for personal insurance and property insurance in order to prevent loan risks. The insurance policy is kept by the bank until the buyer pays off the loan.
5. Lending: After the mortgage loan contract is signed, the buyer waits for the loan notice from the bank. Generally, after waiting for more than one month, the loan bank will transfer the loan to the bank supervision account opened by the developer in the bank as the purchase price of the property buyer.