1. What are the procedures for applying for a mortgage?
The procedures required to apply for mortgage loans are as follows:
1. Appraisal: The real estate appraisal agency conducts the house appraisal and then gives the appraisal report.
2. Face-to-face signing: the buyer and the seller bring all relevant materials to the bank. The staff evaluated the materials and gave the approximate loan amount and years.
3. Bank approval: If the qualification meets the requirements, the bank will approve the loan amount and term according to the assessed house price.
4. After paying taxes and getting a new certificate, you can apply for mortgage registration, and finally the bank lends money.
Two, for housing loans need to provide information
(1) Personal loan needs to be applied.
(2) Personal valid identity documents (including resident identity cards, household registration books, military officers' cards, passports, etc.). ).
(3) proof of personal marital status.
(4) Personal income certification materials (for example: salary income certificate, tax payment certificate, self-owned housing rental certificate, operating income certificate, etc.). ) and the ability of family income to repay loans should provide identity cards and other family members' income proof materials.
(5) proof of down payment for house purchase.
(6) the purchase contract and other loan documents.
(7) If * * * is the owner of the house, * * * and the owner need to provide identity documents, household registration books and marriage certificates.
(8) It also includes other materials that banks need to provide.
(9) It usually takes about two weeks to review the above procedures.
Abstract: The above is what Bian Xiao shared for everyone about what procedures are needed to apply for a mortgage and what conditions are needed to apply for a mortgage. I hope I can help you. When handling the loan procedures, the developer will have someone to help, and you can also ask an assistant for advice if you don't understand anything.