Handling the houseMortgage
The first step is to submit the required documents. 1. Real estate warrant or building ownership certificate, land use right certificate; 2. Borrower's husband and wife ID card, household registration book, marriage certificate (single person needs to go to the Civil Affairs Bureau to issue a single certificate);Proof of income
(Requires official seal).
The second step is to evaluate the room. The assessment is based on the location, floor, area, orientation, etc. of the collateral. Housing can generally be loaned to 5-9 percent of the assessed price.
The third step is to sign the contract at the bank. After the housing assessment, it is also necessary to go through the real estate insurance procedures and the corresponding loan approval procedures, and agree to issue loan contracts and mortgage contracts with the approval.
The fourth step, mortgage registration. The borrower holds the real estate license and the loan contract to go through the mortgage registration formalities at the district/county bureau where the real estate is located, and the agency expenses are borne by the borrower.
The fifth step, lending. After the mortgage registration, the bank can issue the loan to the borrower's personal savings account.