Home >Loan calculator> Mortgage Calculator       > What are the procedures for applying for ABC's housing loan?

What are the procedures for applying for ABC's housing loan?

Time: 2017-01-19         Source: Rong 360 finishing         Author: 360 Financial consolidation

The application procedure for the ABC housing loan is as follows:

1. Applicants applying for ABC's housing loans will open a housing savings account in the designated savings department of the Agricultural Bank of China, and will pay for part of the purchase price.

2. Signing the contract for the purchase of the house, the loan applicant to the real estate development company, purchasing the commercial housing that the Bank promised to provide the mortgage loan, signing the “House Sale Contract” or the “Real Estate Pre-sale Contract” to deliver the deposit;

3. The loan applicant applies for the loan to the credit department of the Agricultural Bank of China, applyingPersonal housing loan, obtain and fill out the loan application form with the Agricultural Bank, and submit the following information: (1) legal identification documents, including the household registration, resident ID card and other valid residence documents; (2) valid purchase contract or agreement, and deposit Proof; (3) Proof of stable economic income of loan applicants issued by the department approved by the Agricultural Bank, or proof of solvency of loan applicants; (4) ABC housing savings passbook or documents; (5) Other documents or materials required by ABC.

4. Approved loans. The ABC real estate credit department investigates and examines the loan applicant's solvency based on the information provided by the loan applicant. After approval, the loan applicant will issue a “promise loan notice” to inform the loan applicant to go through 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) signing a mortgage with the ABC and the guarantor (developer)Secured loanContract, and handle the notarization of the contract; (2) handle the relevant real estate insurance, and hand over the insurance policy to the Agricultural Bank; (3) handle the mortgage registration or filing procedures; obtain the Real Estate Warrants and the Other Rights Certificate. (4) Signing the “Debit of Authorization” and entrusting the Agricultural Bank to pay the developer the purchase price; (5) After the relevant procedures are completed, the Agricultural Bank will issue a personal housing loan to the loan applicant and make a housing savings deposit. And the loan is directly paid to the real estate agent's account in the name of the purchase price.

6. Repay the principal and interest of the loan. The loan applicants are returned on a monthly basis,Pre-interestThe way to repay the loan principal and interest.

7. Write off the mortgage registration of the property. After the loan applicant has paid off all the principal and interest of the loan and related expenses, the Bank will return the property title certificate mortgaged by the loan applicant and cancel the mortgage registration of the property.

[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to: academy@rong360.com

Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
you may also like
  • What are the procedures for applying for a bank mortgage loan?  There are four main steps: The first is the application: the borrower fills the application form with the following supporting documents to the loan management office: valid identification documents; proof of marital status; pledge, mortgage certificate, and the guarantor to provide guarantee, must have a guarantee certificate file. The second is...
  • How to apply for ABC housing loan  ABC housing loan application conditions: 1, with full civil capacity and legal and valid identity documents; 2, the ability to repay the principal and interest of the loan; 3, good credit; 4, has signed a valid and valid housing sales contract, and purchased the house Use for residential; 5, there is no low...
  • What is the application for a bank personal microfinance procedure? Question: Rong 360 loan expert, hello! What is the application for the bank personal microfinance procedure? Rong 360 loan expert reply: Hello! Take ICBC as an example. The application for personal microfinance procedures is as follows: 1. The client applies, and the client applies to the bank or partner institution,...
  • Ningxia Bank Credit Card Application Procedure  Ningxia Bank Credit Card Application Procedure 1. Obtain an application form from any outlet of Ningxia Bank of this Municipality and fill in the real information according to the requirements of the application form. 2. The applicant is requested to carefully read the articles of association and the contract of the application and the relevant guarantee contract. 3, the application form and according to Ruyi loan...
  • What are the application materials for the Agricultural Bank's microfinance?  The client should fill out the “Application Form for Microfinance Business of Farmers' Agricultural Bank of China” and submit the application for the microfinance business of the farmer to the client department (business outlet) of the operation bank. In the case of the joint insurance team, the application for joint guarantee loan is also required. Customers need to provide the following...