Pre-approval is a safeguard measure for second-hand real estate transactions to ensure that the seller can get the money after the signing of the housing contract. Because after signing the sales contract, you need to pay surveying and mapping fees, transfer fees and other fees. It was only after the bank loan that it was discovered that the buyer had a problem with his qualifications, or had a record of default, or had outstanding debts, so he could not lend. The whole transaction will be cancelled and the previous expenses will be wasted.

So it doesn't matter whether it is an intermediary notice or a bank notice. In fact, the intermediary is more concerned about whether your qualifications can be loaned, because the bank will get stuck and refuse to lend, and he will be busy and waste time.

If you really don't feel at ease, you can also go to the bank loan department with your ID card.

Loan process:

1, loan application. Borrowers apply for loans from local banks. In addition to applying for small loans in rural areas, relevant information shall be provided when applying for other types of loans:

(1) Basic information of the borrower and guarantor.

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period for applying for a loan.

(3) Correct the original unreasonable loans.

(4) List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates of the guarantor's consent to guarantee.

5] Project proposal and feasibility report.

(6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.