Spread out completely

Individual housing loan application conditions:

1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. There is no bad record on the national credit record;

5. Other conditions stipulated by the bank.

Personal housing loan handling process:

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

Second, what is the process of handling mortgage loans?

First of all, answer directly.

The detailed process of mortgage is as follows.

Second, the specific analysis

1. Check the house at the real estate developer, sign the purchase agreement, and pay the down payment for the house.

2. Prepare personal ID card and residence certificate (such as bank account number, salary payment receipt and other related materials), go to the counter of the selected bank outlet to find the staff to apply for a loan, get the application form, fill it out, and then hand it over to the staff together with the information brought.

Review the data and information, and the evaluation agency will evaluate the value of the house.

4, after the completion of the examination and approval, evaluation, issued a notice of examination and approval results.

If approved, the loan amount will be approved.

5. After receiving the approval, sign the loan contract and handle the mortgage and other related procedures.

6. Bank loans.

Generally, the system transfers money to the developer's account.

If you don't understand the big data on your own network, you just need to search: Xiaoqi Credit Information, click Query and enter information to find your own 100-line credit information. However, with the establishment of Baixing Credit Information, almost overdue online loans will affect personal credit in the future. You must pay attention to your ability when borrowing money.

3. What problems should I pay attention to when I go to the bank to apply for a mortgage?

Pay attention to the following questions when you apply for a mortgage in a bank.

1, personal credit must be kept good, and there can be no bad information records (especially

2. At the same time, don't apply for too many other loans to avoid long-term borrowing and credit mortgage approval.

3. If the individual tries to pay off or try to pay off a part first, reduce the debt before applying for a mortgage.

It is best to have as much financial information as possible when applying to prove that you have enough ability to repay the loan on time.

3. How long does it take to approve the mortgage? How long does it take to apply for a mortgage?

Buying a house with a loan is a common way to buy a house. Buying a house with a loan can reduce the pressure of buying a house in full and improve the quality of life. If you choose a loan to buy a house, you need to know some common sense and details about the loan. So how long will it take for the mortgage to be approved?

Buying a house with a loan is a common way to buy a house. Buying a house with a loan can reduce the pressure of buying a house in full and improve the quality of life. If you choose a loan to buy a house, you need to know some common sense and details about the loan. So how long will it take for the mortgage to be approved? What is the application process of mortgage? If consumers choose to buy a house with a loan, they need to know some application procedures and conditions. Let's take a look at the relevant content.

How long does it take to approve the mortgage?

Three weeks. According to Article 7 of the Measures for the Administration of Individual Housing Loans, the borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

The loan amount issued by the lender shall not exceed the value of the purchased house assessed by the real estate appraisal agency. After the application for housing provident fund loan is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract. The loan amount of housing provident fund shall not exceed 2 times of the deposit amount of housing provident fund within the retirement age of borrowing family members.

Mortgage application process

1. Borrower's pre-loan consultation: fill in the Application for Mortgage of Residential Houses and submit the following supporting materials from the bank: 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. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, 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.

The question of how long it will take to approve the mortgage has been introduced above. Generally, it takes about three weeks to approve the mortgage, and the specific issuance time depends on the specific application and bank approval. You can learn more about these related contents and refer to them. The mortgage application process introduces you to the relevant steps. If you choose a loan to buy a house, these application steps and processes can not be ignored, and you can pass the examination and approval step by step.