1. Submit the following documents to the bank to apply for a loan: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. If it meets the requirements of the bank, both parties shall sign a loan contract and a mortgage guarantee contract.
4. The borrower shall hand over the property right certificate of the collateral, insurance policy or securities to the bank for safekeeping, and handle the mortgage registration.
5. The bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 35
Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36
When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37
A commercial bank shall sign a written loan contract with the borrower. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.