The housing loan approval process is as follows:
(1) Consultation: In addition to going to any "personal loan" handling outlets of CCB branches, loan applicants can also go to the joint bank-enterprise office of the developer to inquire about the specific type, term, amount, interest rate level and repayment method of such loans and obtain relevant information.
(II) Acceptance: The loan applicant can sign a letter of intent with the seller of the house, and after paying the deposit, get the loan application form from the loan construction bank or the bank-enterprise joint office. After the application form is filled in and signed by the guarantor, it can be submitted to the bank together with all the required materials, or it can be submitted by the bank-enterprise joint office.
(3) Examination and approval: After the credit personnel have made a preliminary examination of the written materials of the customers, they will conduct on-site inspection on the credit standing of the loan inviter and issue the investigation opinions of the first responsible person, and then report them to the superior for examination and approval. After approval, a bank loan commitment letter will be issued, which is valid for one month.
(4) Signing a contract to issue loans: The loan applicant signs a formal house purchase contract with the seller with the bank loan commitment letter, and pays more than 30% of the advance payment, and then signs a loan contract, mortgage contract, etc. With the original purchase, payment receipt, letter of commitment and personal seal, we can get a loan from China Construction Bank and pay relevant fees. The loan contract shall come into effect after being signed and sealed by both parties. At the same time, the borrower shall receive the relevant contract text and repay the principal and interest from the month of loan according to the repayment plan.
Detailed flow chart:
How is the housing provident fund loan flow chart carried out?
If the personal housing provident fund loan business is handled in Shenzhen China Bank, the loan handling process is as follows: step 1: the applicant and * * * directly make an appointment with the applicant at the bank's business outlets or online (fill in the information in the "Advance Loan Business" and make an appointment for the time and place). Step 2: Submit the application materials at the bank's business outlets or the reception counter of the management department according to the appointment time. Step 3: Approval by the Provident Fund Center. Step 4: Sign a loan contract with a commercial bank after approval. Step 5: The bank handles the relevant loan procedures. Step 6: The bank issues loans. Step 7: The borrower receives the information and completes the business. As different housing provident fund management centers have different policies and requirements for individual housing provident fund loans, please consult the provident fund loan business outlets or local authorities for details.
The above contents are for your reference. Please refer to the actual business regulations.
Ping An Bank Loan Flow Chart
If you are already applying for a loan, you can consult the account manager; If you haven't applied yet, you can log on to Ping An Pocket Bank APP- Loan-Select the loan you need to apply for-and apply now.
Response time: June 8, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.
What are the terms of the bank loan? What is the application process?
What are the terms of the bank loan? What is the application process?
The age is between 18-60 years old; Have a certain repayment ability, preferably a stable income and work, and no laborer needs to submit economic proof materials; Personal credit information is good, and there can be no overdue or illegal records in the credit information; Personal debt ratio should not be too high, and the debt ratio should not exceed 50%. However, meeting the loan conditions does not necessarily mean that the loan will pass, and ultimately it will be subject to the bank's audit results.
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Ultra-detailed process of housing loan
Detailed process of housing loan:
1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6 loan settlement, including normal settlement and early settlement.
① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Flow chart of bank loan for purchasing second-hand houses
1. Apply for a loan
The purpose, amount and duration of the borrower's application for a loan from a financial institution.
2. Submit loan information
Submit application materials, including but not limited to the following contents (depending on the specific provisions of each bank's products): borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.
This link is a very important link in the process of real estate mortgage loan, because many customers are in urgent need of money when lending. If these materials can be prepared in advance, it will be much easier.
3. House evaluation
After the materials are submitted completely, the bank will conduct on-the-spot investigation and evaluation according to the mortgaged house. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.
Step 4 apply for a loan
The housing appraisal company submits the appraisal report or appraisal opinion to the bank for approval.
5. Sign a loan contract
The borrower and the lending institution shall sign and seal the loan contract and all relevant documents, which shall be notarized by a notary.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
Mortgage _ Baidu Encyclopedia