House loans have contracts, banks lend, and signing contracts is a prerequisite. First, the operation flow chart provides consultation -> accept application -> pre-lending investigation -> loan approval -> loan issuance -> loan recovery -> loan management II, brief description of each link in the process to provide consultation, acceptance of applications, pre-lending investigation ( 1) Provide consulting consultants to provide consulting services to clients. The consultation contents include: types of personal housing loans that have been opened, objects, conditions, quotas, terms, and interest rates.Repayment
Waiting for the situation. (2) Accepting the application The borrower isConstruction bank
After consultation, fill in the "China Construction Bank Zhejiang Branch" as requiredPersonal housing loan
The application form a loan application and provide the following information: ID card, certificate of the mortgagor's husband and wife relationship (single person needs to provide valid proof, the borrowerProof of income
, the purchase contract, the first payment voucher, the guarantor agrees with the written proof of the guarantee and other relevant information requested by the Construction Bank. (3) After accepting the loan application, the pre-lending investigation manager shall investigate the completeness, authenticity, validity and legality of the “application” submitted by the loan applicant and the information required to be provided. Through the pre-lending investigation, it is considered that the loan conditions are met and ready for approval.