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What are the procedures for applying for ABC loans?
Agricultural Bank housing loan application procedures are as follows:
1, apply for the Agricultural Bank of China loan loans to the applicant in the designated bank of the Agricultural Bank of China to set up savings accounts, pay enough to pay part of the purchase section.
2, signed a purchase contract, the loan applicant to the real estate development company, the purchase of the bank promised to provide mortgage loans to commercial housing, signed a "housing sales contract" or "real estate pre - sale contract" to deliver the deposit;
3, the loan applicant to apply for loans to the Agricultural Bank of credit departments, applyPersonal housing loans(1) legal identification documents, including the account of this, the identity card and other valid residence documents; (2) the effective purchase contract or agreement, and the deposit, to the Agricultural Bank of China to receive and fill out the loan application, and submit the following information: (4) Agricultural Bank of China housing savings passbook or document; (5) Agricultural Bank of China requested other documents or information. (3) Agricultural Bank of China approved by the department issued by the loan applicant to stabilize the economic income certificate, or loan applicant solvency certificate;
4, approval of loans. Agricultural Bank real estate credit department according to the information provided by the loan applicant, the solvency of the loan applicant to investigate and review, approved by the approval of the loan to the applicant issued a "commitment loan notice" to inform the loan applicant for the relevant loan procedures The
5, for loan procedures. After the loan application is approved, the loan bank requires the applicant to complete the relevant procedures: (1) with the Agricultural Bank of China and the guarantor (developer) signed a "mortgageSecured loan(3) for real estate mortgage registration or filing procedures; to obtain the "real estate warrants", "other rights certificate", the "real estate insurance certificate", " (5) After the formalities have been completed, the Agricultural Bank of China will issue individual housing loans to the loan applicants and pay their savings deposits to the purchasers (hereinafter referred to as the " And loans, in the name of purchase money directly to the real estate business on the account.
6, repayment of principal and interest loans. Loan applicants are also on a monthly basis,After the beginning of thisThe way to repay the loan principal and interest.
7, cancellation of real estate mortgage registration. After the loan applicant has paid off the principal and interest of the loan and the relevant expenses, the Bank repaid the property right certificate of the mortgage applicant and canceled the registration of the real estate mortgage.
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