House prices in every city are relatively high, and they are still rising. Buying a house is not easy for the working class, so many people choose to borrow money to buy a house. Loans to buy a house can reduce the financial pressure of buyers, so what is the mortgage process of first-hand housing loans? Come and have a look with me.

First, the mortgage process of first-hand housing loans

Mortgage process of first-hand housing loan: 1. The lender and the developer sign the Letter of Intent for the Purchase of Commercial Housing Contract and pay 30% down payment; 2. Choose a loan bank; 3. Apply for a loan from the bank and bring relevant information to the bank; 4. The bank shall review the submitted materials; After the approval, the bank will lend the money to the account signed by the developer on the contract.

Second, what should I pay attention to when applying for a first-hand housing loan?

1. When buying a house, first ask the salesperson about the loan, such as the amount and time of the loan. You should also consider the monthly repayment amount and evaluate whether you can repay on time.

2. If there is no bank that cooperates with the developer, or there is no designated bank, then you should be careful when choosing a bank, and you should know well before making a choice.

3. When handling a loan in a bank, you should keep the phone number of the bank account manager, such as mobile phone and office phone, so as to consult and contact at any time.

4. When applying for a loan, you should prepare all the required information and try to provide all the information at one time so as not to delay the progress of the loan. For example, the identity information of the lender, spouse information if there is a spouse, etc. , and then personally sign the relevant procedures with the bank staff.

Interest is paid every month after the loan, so remember the amount and time of monthly repayment to avoid the occurrence of liquidated damages.

6. Keep the house purchase, mortgage and loan contracts, which is convenient for reference and withdrawal of provident fund.

Editor's summary: The above is a related exposition on the mortgage process of first-hand housing loans, hoping to bring help to friends.

How to handle the provident fund loan process for first-hand houses

Provident fund loan has the advantages of low expected annualized interest rate, simple procedures, quick approval and quick loan, and is the first choice for consumers to purchase housing loans. However, provident fund loans can not be applied if you want to apply. Property buyers must meet some basic conditions, such as continuous normal deposit of housing provident fund for more than one year. So how do eligible depositors apply for housing provident fund loans? Below, the detailed process of provident fund loans is introduced in detail.

I. Loan consultation

The loan applicant goes to the designated housing provident fund loan bank for loan consultation, and receives relevant information to fill in.

Two. Submit information

1, "Loan information of individual housing provident fund for first-hand houses";

2. The ID card, residence booklet, marriage certificate (or single certificate) and original and photocopy of income certificate of the borrower and spouse;

3. The original and photocopy of the purchase contract and down payment receipt filed by the real estate department;

4, the borrower housing provident fund deposit certificate.

5. Other supporting materials required by the lending bank.

It should be noted that at least four copies should be prepared to avoid the dilemma of insufficient information.

Third, sign a contract.

After the loan bank accepts the information of the loan applicant and the bank reports it to the Housing Provident Fund Center for approval, the borrower and the loan bank sign loan contracts, mortgage contracts and other relevant loan documents.

Fourth, apply for a mortgage.

By the loan bank or borrower to the real estate mortgage registration department for housing mortgage registration.

Verb (short for verb) Lend money.

Entrusted by the provident fund center, the loan bank directly transfers the borrower's loan funds into the account of the house selling unit.

VI. Monthly repayment

From the month following the issuance of the loan, the borrower shall repay the loan principal and interest on time as agreed in the loan contract until all the loans are settled. When the borrower pays off the remaining loan for the last time, he should go to the loan bank in person and go through the repayment settlement procedures at the bank counter.

Seven. Cancel the mortgage

After the borrower has paid off all the principal and interest of the loan, he shall go to the real estate mortgage registration department for mortgage registration and cancellation with the loan settlement certificate and mortgage cancellation certificate issued by the loan bank. At this point, the housing provident fund loan process has all ended.

To sum up, the above is the relevant process for consumers to purchase first-hand houses and apply for provident fund loans. It is worth noting that the above-mentioned first-hand houses need to be existing houses before they can apply for mortgages; If it is an auction house, the handling process will be different, and you need to consult the local housing provident fund center in advance.

I would like to ask what is the mortgage process of China Bank?

China Bank Housing Loan Process:

1, personal first-hand housing loan process.

(1) The borrower submits the mortgage application and provides relevant information, waiting for the approval of China Bank.

(2) After the approval of China Bank, sign a loan contract with the borrower.

(3) The borrower handles insurance and guarantee procedures.

(4) China Bank will sign a loan contract after reviewing the materials submitted by the lender.

(5) China Bank issues loans according to the loan contract.

(6) The borrower shall repay the loan principal and interest at the time agreed in this contract.

2. Personal second-hand housing loan process.

(1) The borrower applies for a loan from China Bank and provides relevant supporting materials.

(2) The Buyer and the Seller shall go to the appraisal institution designated by Bank of China for house appraisal.

(3) Examination and approval by China Bank.

(4) After the approval, the buyer and the seller go through the formalities of property right transfer, and the borrower goes through the loan formalities at China Bank.

(5) The borrower signed a second-hand house mortgage loan contract with China Bank.

(6) The Buyer and the Seller shall submit the transferred house ownership certificate to China Bank for mortgage registration.

(7) After the loan contract comes into effect, China Bank issues loans, and the borrower repays the loans every month according to the time stipulated in the contract.