1. The lender applies for personal loan from the bank in writing, provides relevant information and signs a loan contract.

Two, the lender shall handle the mortgage registration in accordance with the loan contract.

After the house is mortgaged by the bank, the bank issues loans.

Legal basis:

Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Article 26 The lender shall standardize the guarantee process and operation in accordance with the relevant provisions of People's Republic of China (PRC) Property Law, People's Republic of China (PRC) Guarantee Law and other laws and regulations. The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral. Personal loans secured by guarantee shall be completed by at least two loan officers.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Loan introduction:

The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).

What is the housing loan process?

Housing loan processing flow:

1 First, choose the house to buy and sign the purchase agreement or contract.

2. When submitting a mortgage application to a commercial bank, you need to prepare the application materials in advance, such as ID card, household registration book, marital status certificate, work certificate, income certificate, down payment settlement certificate, etc.

3. The bank will examine the materials and applications you submitted.

After the approval, the bank will sign a mortgage contract with you.

5. Then go to the Housing Authority for mortgage notarization and other procedures.

6. After the formalities are completed, the relevant documents are handed over to the bank, and the bank begins to lend money according to the contract.