2. Apply for a mortgage loan from a bank, fill in the application form in writing and submit relevant materials at the same time. When applying for a loan, the most important thing is to sign in person. During the interview, the bank account manager will pre-examine all the information you provide, and at the same time need to know whether your loan use is reasonable and whether the repayment source is sufficient. It is suggested to plan your financing purpose and repayment ability in advance and determine the loan amount.
3. The bank examines the authenticity of the information provided by the borrower, analyzes the fixed assets and financial situation mortgaged by the borrower, and evaluates the credit rating of the borrower. After the review, the bank manager will write a loan review report for approval, and make it clear whether the loan can be issued, and finally issue a loan approval letter.
4. After the application materials submitted by the borrower are reviewed and approved by the signing bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate. The loan type, loan amount, interest rate, loan purpose, repayment method, loan term and other related matters are stipulated in the loan contract.
5. After the loan contract is signed, the bank will go through the mortgage formalities at the real estate rights trading center on the date agreed with you. You need to bring the loan approval, mortgagor's ID card, property certificate, household registration book, marriage certificate and notarial certificate to the real estate registration hall for mortgage registration.
6. After the loan is issued and the mortgage formalities are completed, both parties can verify the loan according to the contract. The bank will lend money according to the account number specified in the loan use contract, and the interest will be calculated from the date of withdrawal.