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What is the loan process for “bank house mortgage”?
What is the loan process for “bank house mortgage”? Many friends need mortgages for real estate licenses because of many things, but they don't know the procedures for real estate mortgages. Therefore, they often encounter difficulties during the process. So what is the current mortgage bank loan process?
To apply for a bank mortgage loan, you need to prepare the information, including the husband and wife ID card account, the marriage certificate, the real estate license, or the bank account statement for the most recent half year of the invoice personal account.
When the bank mortgages the bank, the bank reviews the borrower’s loan application, purchase contract, agreement and related materials. The borrower will transfer the property certificate of the mortgaged property and the insurance policy or securities to the bank for custody. The guarantor of both the borrower and the lender sign a home mortgage loan contract and conduct notarization. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the house-purchasing unit or the building unit designated by the purchase contract or transfer agreement. Prepare information, including the husband and wife ID card, household registration, marriage certificate, real estate license, purchase contract or invoice, bank account statement for the past six months of the personal account.
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