2. Preparation of loan materials: The borrower shall prepare all the documents and certificates required to apply for a loan as required;
3. Housing evaluation: relevant institutions conduct on-the-spot investigation and evaluation of mortgaged houses;
4. Loan approval: submit all loan application materials together with evaluation reports or opinions to the bank for approval;
5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;
6. Mortgage registration procedures: the bank shall go to the housing management department for mortgage registration with the house ownership certificate and notarized loan contract;
7. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.
Extended data (1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;
(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;
(3) if there is a maximum mortgage, it must exceed the maximum payment;
(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.
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