First, how to apply for a mortgage loan?
1. The process of handling real estate mortgage loan is as follows:
(1) Application materials required by the applicant to prepare the real estate mortgage loan, such as identity information and real estate information;
(2) Banks accept loans;
(3) The appraisal company evaluates the mortgaged real estate;
(4) The bank obtains the approval evidence according to the information provided by customers and the real estate appraisal report.
2. Legal basis: Article 12 of the Interim Measures for the Administration of Personal Loans.
The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.
Second, what is the mortgage loan buying process?
The mortgage purchase process is as follows:
1. Submit a loan application. Property buyers need to go to the bank to submit a loan application and submit relevant information, such as a copy of ID card and a copy of household registration book. Income certificate issued by the employer or other certificates that can prove the borrower's solvency and other documents and materials required by the bank;
2. Signed a loan contract. After the loan application is approved by the bank, a loan contract is signed with the bank under the guidance of the bank staff;
3. Open an account. Property buyers need to apply for exclusive bank cards in loan banks and repay loans regularly;
4. Loan issuance. After the lending bank agrees to issue the loan, the lending bank will directly transfer the loan to the deposit account or designated account opened by the lender in the lending bank according to the loan contract.