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What are the procedures for applying for ABC home loan?
ABC's home loan application procedure is as follows:
1. The loan applicant applying for the Agricultural Bank's housing loan will open a special account for housing savings in the designated deposit department of the Agricultural Bank of China, and will fully pay for some of the purchase price.
2. Sign purchase contracts, loan applicants to real estate development companies, purchase commercial houses that the Bank promises to provide mortgage loans, and sign a “House Purchase Contract” or “Real Estate Pre-sale Contract” to deliver the deposit;
3. Loan applicants apply for loans to the Agricultural Bank credit department for applicationPersonal housing loan, To collect and fill out loan application forms from Agricultural Bank of China, and submit the following documents: (1) Legal identification documents, including account book, resident identity card and other valid residence documents; (2) Valid home purchase contracts or agreements, and deposits Proof; (3) A certificate of stable economic income issued by a loan applicant issued by a department approved by the Agricultural Bank, or proof of solvency of the loan applicant; (4) Passbook or savings bankbook of Agricultural Bank of China; (5) Other documents or materials required by the Agricultural Bank of China.
4, the approval of loans. According to the information provided by the loan applicant, the ABC real estate credit department investigates and reviews the solvency of the loan applicant. After obtaining the approval, it issues a “commitment loan notice” to the loan applicant to notify the loan applicant to apply for the relevant loan procedures. .
5, apply for loan procedures. After the loan application is approved, the loan bank requires the loan applicant to go through the relevant formalities: (1) Sign the mortgage with the Agricultural Bank and the guarantor (developer)Secured loan"Contract" and apply for the notarization of the contract; (2) Handle the relevant real estate insurance and hand over the policy to the Agricultural Bank of China; (3) Handle the real estate mortgage registration or filing procedures; After obtaining the "Real Estate Ownership Certificate" and "Other Rights Certificate", It was handed to the Agricultural Bank for custody; (4) Signed the “Debit Authorization Letter” and entrusted the Agricultural Bank of China to allocate payment to the developer for payment of the purchase price; (5) After the relevant procedures were completed, the Agricultural Bank of China issued a personal housing loan to the loan applicant and deposited the housing savings deposit. And the loan is directly transferred to the real estate company's account in the name of the purchase price.
6. Repay loan principal and interest. Loan applicants are paid on a monthly basis.After the interestThe way to repay loan principal and interest.
7, cancel the real estate mortgage registration. After the loan applicant pays off all the principal and interest of the loan and related expenses, the Bank returns the real estate title certificate mortgaged by the loan applicant and cancels the real estate mortgage registration.
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