Process for individuals to apply for housing loans:
1. Apply for individual housing loan.
2, the borrower to the loan bank to fill out the "personal housing loan application form".
3. Submit the following materials: the identity certificate and account information of the borrower.
4. Fill in the intention purchase contract or other supporting documents.
After going to the bank to submit a loan, the bank has to review it, so the real estate company you may be rejected has a commercial relationship with the bank. It's easier said than done, and the approval is quick. Review is just a process. The reason why real estate companies are willing to take the initiative to act as agents, of course, is that there is an intermediary fee, and the real estate company's house payment is also recovered quickly. So it is your right to apply for a mortgage, but going directly may not be successful. Not every bank can apply for real estate, only banks that have signed designated contracts with real estate developers can. Real estate will tell you which banks you can borrow from.
Classification of individual housing loans
I. Personal housing provident fund loans
Second, personal housing commercial loans.
1, personal housing loan
2. Personal second-hand housing loans
3, personal housing renovation loans
4. Personal housing consumption loans
5. Personal commercial housing loans
6. Individual housing portfolio loans
To purchase new ordinary housing and apply for housing provident fund loans, the following materials shall be provided:
1. Commodity House Sales Contract (Agreement) (2 originals, 2 copies 1 copy, and 1 original 1 copy of combined loan);
2. House pre-sale certificate (1 copy, combined loan 1 copy);
3. Other vouchers: ① down payment vouchers (not less than 30% of the total house price for Xing Tao with a building area of more than 90 square meters and not less than 20% of the total house price for Xing Tao with a building area of less than 90 square meters (including 90 square meters)) and affordable housing (1 original, 3 copies, combined loan 1 copy); (2) Identity cards of husband and wife (1 copy of original 3, combined loan 1 copy); 3 proof of marriage relationship (same household registration book or marriage certificate). (1 original 3 copies, combined loan 1 copy); (4) If the applicant is single, issue a single statement (2 originals, combined loan 1 original); ⑤ If * * * and * * apply for real estate loans, they should hold the certificate of immediate family members (household registration book or issued by the public security and notary departments) (1 3 originals, combined loan 1 copy); 6. Husband and wife housing provident fund card (original).