1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
Information on applying for housing loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
Can banks handle mortgage business on weekends? If it is a personal loan of our bank, it will be handled within "working days". Please go to the counter of the local China Merchants Bank during working hours.
Do mortgage salesmen make money? Mortgage application materials:
Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);
Identity cards of the obligee and his spouse;
Household register of the obligee and spouse;
Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. );
If the owner of the real estate license has minor children, please provide a birth certificate;
If the property has a bank loan, please provide the original loan contract and the latest bank statement;
In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).
Where can I handle the mortgage business? Is there anything clear? For the time being, it is better to provide mortgage loans from Hangzhou Loan Network. The loan business here really touched the hearts of customers.
Can China Merchants Bank do mortgage loan business? Every bank can make a mortgage loan, but you must pay attention to your age and size. There are many banks that don't do it. If not, find a small loan company. Shenyang has Zhonghui.
Which bank in Anshan has mortgage loan business? All banks have this business, but the specific provisions may be different. I suggest you run more, compare and see which one suits you.
How to handle the personal mortgage loan business of China Bank and the personal mortgage loan process of China Bank;
1. The borrower consults before lending, fills in the Application for Mortgage of Residential Houses, and submits the following supporting materials to 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.
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 parties 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.
Borrowers applying for personal property mortgage loans must meet the following conditions:
1, with full capacity for civil conduct.
2. Be able to provide valid identity certificate, residence certificate, marriage certificate and income certificate.
3. Personal credit is good.
4. The loan is used legally.
5. Have a stable job and income.
6. Have the ability to repay in full and on time.
7. Having a property that meets the requirements of the bank as collateral.
Can I apply for a second-hand house mortgage loan? If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. Please call 95555 at 8:30- 18:00 to choose 3 customer service-March 3-8 to enter the manual service to provide loans, and learn more about the city.
Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.