Mortgage to buy a house can apply for a loan through a guarantee company or get in touch with the loan bank directly.
The loan processing flow in mortgage to buy a house 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. The property right registration and notarization department of the Bureau of Land and Resources shall handle the registration formalities of real estate 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.