Consultation: The loan applicant can go to any "individual loan" branch of Nanchang Branch of China Construction Bank, or to the bank-enterprise joint office of the developer to inquire about the specific type, term, quota, interest rate level and repayment method of this kind of loan and obtain relevant information.
(II) Acceptance: The loan applicant can sign a letter of intent with the seller of the house, and after paying the deposit, get the loan application form from the loan construction bank or the bank-enterprise joint office. After the application form is filled in and signed by the guarantor, it can be submitted to the bank together with all the required materials, or it can be submitted by the bank-enterprise joint office.
(3)
Examination and approval: after the loan officer makes a preliminary examination of the written materials of the customer, he will conduct on-site inspection on the credit standing of the loan inviter, issue the investigation opinion of the first responsible person, and then report it to the superior for examination and approval. After approval, a bank loan commitment letter will be issued, which is valid for one month.
(4)
Signing a Contract to Issue Loans: The borrower signs a formal house purchase contract with the seller with a bank loan commitment letter, and pays more than 30% of the advance payment, and then signs a Hong Xin loan contract and mortgage contract with the loan construction bank with the original house purchase, payment receipt, commitment letter and personal seal, and pays relevant fees. The loan contract shall come into effect after being signed and sealed by both parties. At the same time, the borrower shall receive the relevant contract text and repay the principal and interest from the month of loan according to the repayment plan.
Housing loan steps
When CCB approves the loan, it will entrust the mortgage affairs center to handle all the loan procedures for you. After receiving the countersignature notice, please go through the relevant formalities according to the following steps:
Step 1: The borrower (buyer) enters the mortgage affairs center of the place where the contract is signed with relevant materials (original ID card, half-inch square seal and CCB current passbook).
Step 2: The borrower (buyer) takes a seat at the counter-sign of the contract according to the indicated route and listens to the lawyer's explanation of the loan and other contract texts.
Step 3: The borrower (purchaser) submits the current passbook of CCB at the insurance counter and the toll counter in the lobby of the mortgage affairs center, and pays the related expenses of personal housing loan.
Step 4: After the borrower (house buyer) pays the relevant fees, he/she will collect the loan and other contract texts from the countersigning room with the charge receipt. Please check the contract texts carefully.
Step 5 If the borrower (buyer) misses the special meeting of the loan contract, please read the contract text by yourself. If you have any questions during reading, please ask at the information desk and you will get an appropriate explanation.
Step 6 If the borrower (buyer) thinks there is no problem with the contract, please sign and seal all the contract texts and fill in the date of signing.
Step 7 After the borrower (buyer) completes the above matters, please send all your consolidated texts to the lawyer for review.
Step 8 The borrower (buyer) has completed the loan signing procedures, and the mortgage affairs center will handle the mortgage signing procedures for you as soon as possible and notify the bank to lend money for you. Please feel free to go home.
Information to be provided for individual housing loan:
The original and photocopy of the ID card and household registration book of the borrower's husband and wife;
If both parties are not in the same account, the original and photocopy of the marriage certificate must be provided;
Original income certificate issued by the unit where the borrower and his wife work;
Legal purchase contract;
The original and photocopy of the prepayment receipt for which the borrower pays more than 30% in advance;
Other information required by the loan bank (such as proof of family property, etc.). ).