1, sign the subscription book
The customer signs a subscription with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company.
Step 2 apply
Customers go to the law firm entrusted by the bank to handle the mortgage, including submitting personal data, paying various fees and filling out legal documents.
3. Payment review
The law firm conducts a preliminary examination of the client's application, and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged.
4. Other legal procedures
Law firms handle insurance, notarization and mortgage registration of collateral.
Step 5 issue loans
The bank will transfer the loan amount to the developer's account and inform the customer to start mortgage payment.
Second, the conditions for applying for housing loans
1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.
2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.
3. Good credit record and no bad credit record.
4. It can provide legal and effective guarantee recognized by the bank.
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