Housing mortgage bank loan procedures:

1. Need to open a current deposit account with a banking institution;

2. Fill in the loan application form as required, and submit the application form and required materials according to the instructions of the bank;

3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;

4. After the approval of the bank, notify the approval result and sign the loan contract;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;

7. According to the provisions of the loan contract.

Extended data:

According to the Measures for the Administration of Mortgage Loans:

Article 3 Scope of collateral: fixed assets (such as houses and other above-ground buildings, vehicles, machinery and equipment, etc.) with legal value and use value; Materials or property that can be circulated or transferred.

If the house purchased under the preferential policies of the state is mortgaged, the mortgage amount shall be limited to the share of the mortgagor's disposition and income; An enterprise as a legal person with an operating period may not mortgage a house beyond the operating period;

If a house with land use years is mortgaged, the mortgage period shall not exceed the remaining years after the used years minus the used years stipulated in the land use right transfer contract. Where a house is mortgaged, the right to use the state-owned land within the occupied area of the house shall be mortgaged at the same time.

Article 180 stipulates that the following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) The contracted management right of wasteland and other land obtained through bidding, auction and public consultation;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

Property that can be mortgaged belongs to real estate. For movable property, the general way of setting pledge guarantee is otherwise stipulated in the property law.

According to the scope of collateral, it can be roughly divided into six categories:

(1) Inventory mortgage, also known as commodity mortgage, refers to the mortgage of various commodities held by employers and enterprises, including commodities, raw materials, products in process and finished products, and applies for loans from banks.

(2) Customer account mortgage refers to the short-term loan secured by accounts receivable;

(3) Securities mortgage, in which stocks, bills of exchange, promissory notes, certificates of deposit, bonds and other securities are used as collateral to obtain short-term loans;

(4) Equipment mortgage refers to mechanical equipment, vehicles, ships, etc. As a guarantee for obtaining regular loans from banks;

(5) Real estate mortgage, that is, the borrower provides land, houses and other real estate mortgages to obtain loans;

(six) mortgage of life insurance policy refers to the establishment of mortgage right on the claim of insurance money. It takes the surrender amount of life insurance contract as the limit, and the insurance policy as the mortgage to issue loans to the insured.