The mortgage purchase process is as follows:
1. Before handling the loan, the borrower should know whether the purchased building has a letter of commitment from the bank to provide personal housing mortgage loan. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank;
2. Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form;
3. Loan bank: the bank staff will review all the materials and documents submitted by the loan applicant and approve them step by step;
4. The loan bank takes back the completed materials and issues loans according to the legally effective loan contract;
5. Property right registration notary office of Land and Resources Bureau: handle the registration formalities of property right mortgage;
6. Inform the developer to recover the loan contract, and the developer will issue a certificate of paying off the house price to the lending institution;
7. Inform the borrower to recover the loan contract, IOU and insurance policy;
8. The bank staff of the loan bank will file the loan file.
Mortgage loans need to meet the following conditions:
1. China residents aged 18-65 with permanent residence or valid residence status in local towns;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.
The information required for mortgage loan is as follows:
1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.