What procedures does Xiaogan need to buy a house? What documents does mortgage to buy a house need?

Step 1: Before applying for a loan, the borrower should find out whether the purchased house has a letter of commitment from the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank.

Step 2: As the loan guarantor, the developer signs and seals the "Guarantor's Opinion" column of the loan application approval form.

Step 3: The loan officer of the loan bank will review all the information and documents submitted by the loan applicant and approve them step by step.

Step 4: The loan bank takes back the completed materials and issues loans according to the legally effective loan contract.

Step 5: The property right registration and notarization department of the Land and Resources Bureau handles the registration formalities of real estate property right mortgage.

Step 6: Inform the developer to get back the loan contract, and the developer will issue a certificate to the loan bank to pay off the house payment.

Step 7: Inform the borrower to get back the loan contract, iou and insurance policy.

Step 8: The loan officer of the loan bank files the loan.