Full house:
Prepare personal credit information and provide credit information for both husband and wife when they get married. After reading the credit information, match the appropriate loan bank and loan type. Avoid random application, which will affect the credit information.
Submit application materials to the bank: ID card, household registration book, marriage certificate (divorce certificate and divorce agreement are required), household registration book, bank account number and work certificate. If it is a commercial loan, you need to provide a business license and open a bank card of the bank applying for the loan as a repayment account.
Face to face with the bank and wait for the bank's approval.
After the approval, take the bank loan contract and go to the real estate where the real estate is located for mortgage registration.
After the bank obtains other warrants, the bank handles the loan.
Real estate with balance payment: after the successful face-to-face signing by the bank, it is necessary to settle the previous balance payment, get the other warrants and loan settlement certificate of the previous loan bank, and take the house book to the real estate registration center where the real estate is located to cancel the mortgage registration. After the mortgage cancellation is completed, a new bank loan contract is obtained and the mortgage registration is carried out. Other processes are basically the same.
Apply for a second mortgage: you don't need to settle the existing balance, but apply for a second mortgage directly after obtaining the loan contract from the bank.
It should be noted that: consult professionals before handling the loan, which bank loan product is more suitable for you, and don't apply blindly.