House loans have contracts, banks lend, and signing contracts is a prerequisite. First, the operation flow chart to provide advice -> accept applications -> pre-loan investigation -> loan approval -> loan issuance -> loan recovery -> loan management Second, the process of each link to provide a brief description of the consultation, acceptance of applications, pre-loan investigation ( 1)Provide consulting operators to provide consulting services to clients. The consulting content includes: types of loans, objects, conditions, quotas, deadlines, interest rates, and individual interest rates that have been set.Repayment
Etc. (2) Accepting applications Borrowers areConstruction Bank
After consultation, fill in "China Construction Bank Zhejiang Branch" as requiredPersonal housing loan
"Application" proposes a loan application, and provides the following information: ID card, certificate of the mortgagee's husband and wife relationship (single body needs to provide a valid certificate, the borrowerProof of income
The purchase contract, the first payment voucher, the guarantor agrees to the written proof of the guarantee and other relevant information requested by the Construction Bank. (3) After the pre-lending investigation handler accepts the loan application, it investigates the integrity, authenticity, validity and legality of the "Application Form" submitted by the loan applicant and the information requested. Through pre-lending investigations, it was considered that the loan conditions were met and preparations were made for approval.