(1) Consultation: The loan applicant can go to any "personal loan" handling outlet of Nanchang Branch of China Construction Bank, or go to the bank-enterprise liaison of the developer to inquire about the specific type, term, amount, 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 credit personnel have made a preliminary examination of the written materials of the customers, they will conduct on-site inspection on the credit standing of the loan inviter and issue the investigation opinions of the first responsible person, and then report them to the superior for examination and approval. After approval, a bank loan commitment letter will be issued, which is valid for one month.
(IV) Signing a Contract to Issue Loans: The loan applicant signs a formal house purchase contract with the seller on the basis of the 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 on the basis of the original house purchase, payment receipt, commitment letter and personal seal, and pays relevant fees at the same time. 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:
1. The original and photocopy of the ID card and household registration book of both husband and wife of the borrower;
2. If both parties are not in the same account, the original and photocopy of the marriage certificate must be provided;
3. The original income certificate issued by the employer of both husband and wife of the borrower;
4. Legal purchase contract;
5. The original and photocopy of the prepayment receipt for which the borrower pays more than 30% in advance;
6. Other materials specified by the loan bank (such as family property certificate, etc.). ).
(The above answers were published on 20 15-06- 16. Please refer to the actual situation for the current purchase policy. )
Sohu Focus Network provides you with comprehensive information such as real estate information, real estate details, purchase process, owners' forum and home decoration.