2. Providing relevant materials: When submitting the application for building repayment loan, you need to provide some relevant materials, including but not limited to the purchase contract, collateral certificate, personal identification certificate, income certificate, etc. The specific materials needed may be different according to the situation of the bank and the applicant. It is recommended to consult the bank or consult relevant information in advance.
3. Real estate appraisal: The bank will arrange a professional appraisal agency to evaluate your real estate to determine its value and acceptable loan amount.
4. Signing: If you pass the evaluation and meet the loan conditions, the bank will sign a loan contract with you to repay the house and confirm the repayment period, interest rate and other details.
5. Mortgage registration: After obtaining the loan, it is necessary to register the mortgage of the house, which is a guarantee measure for the bank assets. Mortgage registration needs to be handled at the local real estate registration center.