1. The borrower consults about the loan.

2. Lending institutions make a basic assessment of second-hand houses.

3. The bank reviews the information and basic information of the loan, so what is the main information? Generally speaking, it includes:

(1) ID card, household registration book, temporary residence permit (residence permit), marriage certificate, income certificate, business license, tax bill, house purchase contract, house pre-assessment report (provided by the seller) and two copies of house certificate (provided by the seller). If the borrower or seller is married, it is necessary to provide proof of some information such as spouse's income and occupation;

② Handling mortgage registration related procedures and photocopies, notarization application, insurance policy, power of attorney of natural person, power of attorney of legal person, mortgage registration application form, letter of commitment, original copies of two certificates after transfer, evaluation report, etc. ;

(3) loan contract (plus a copy);

4 borrowings;

(5) Payment list, please note that the payment list here generally includes notarization fee, insurance fee and mortgage fee;

6. The bank cards of the buyer and the seller and their copies, or the account numbers opened by other institutions;

⑦ Complete the transfer voucher;

8. Fill in the special transfer voucher in duplicate;

Pet-name ruby handling account manager signature;

Attending remarks and other instructions;

4. After all the materials are submitted, the bank will review them.

5. After the approval of the bank, the real estate trading center will handle the mortgage transfer (upper/lower home).

6. The borrower obtains a new property right certificate and a certificate of mortgage of other rights.

7. Banks issue loans to borrowers.

References:

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