How is the approval process for housing loans
The approval process for housing loans is as follows:
(a) Consultation: Borrower applicants can go to any of the "personal loan" outlets of the branches of the CCB, but they can also go to the developer's banking liaison officer to consult with the specific type of loan and obtain relevant information. The applicant can also visit the developer's liaison officer at any of the CCB branches to inquire about the specific type, duration, amount, interest rate, repayment method, etc. of the loan and to obtain the relevant information.
(2) Acceptance: Borrower applicants can sign a letter of intent with the seller of the house, pay the deposit, and then go to the loan bank or the bank-enterprise liaison officer to get a loan application form, which should be filled out and signed by the guarantor, and then sent to the bank together with all the required information, or the bank-enterprise liaison officer can send it to the bank.
(3) review and approval: credit officers in the written information on the customer after the initial examination, the creditworthiness of the borrower of the feast for on-site inspection and issued the first responsible person to investigate the views, and then reported to the approval of the level by level. Approval through the issuance of a bank loan commitment, the commitment is valid for one month.
(4) sign a contract to issue a loan: the borrower applicant with a bank loan commitment to the seller to sign a formal contract to purchase a house, and pay more than 30% of the prepayment, and then with the purchase of a house, the original contract, payment receipts, letter of commitment and personal seals to the loan to the construction bank to sign a loan contract, mortgage contract, etc., and at the same time, to pay the relevant fees. The loan contract by the borrower and lender parties sign the seal after the effective, loan funds transferred to the developer's account at the same time, the borrower to receive the text of the relevant contract, and in accordance with the requirements of the repayment plan, from the month of the loan to start repaying the principal and interest.
Detailed flow chart:
How the housing provident fund loan flow chart is carried out
If you apply for a personal housing provident fund loan business in the Bank of China in Shenzhen City, the loan processing process is as follows: Step 1: the applicant and *** with the applicant directly to the Bank's business outlets or online appointments (in the "Loan business for reservation" fill in the information, make an appointment for the time and place) step 2: in our bank business outlets or by appointment time to the management department acceptance counter to submit application materials step 3: the provident fund center for approval step 4: approval through the loan contract with the commercial bank step 5: the bank for the relevant procedures for the release of funds step 6: The bank issues the loan Step 7: The borrower receives the information, the business is completed due to the housing provident fund management center for personal housing provident fund loan policy and requirements of the differences, the need to please consult the provident fund loan business outlets or consult the local provident fund management center.
The above content is 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 with your account manager; if you haven't applied yet, you can log on to Ping An Pocket Banking APP - Loans - Select the loan you need to apply for - Apply Now.
Response time: 2020-06-08, the latest business changes, please refer to the official website of Ping An Bank announced subject.
What are the requirements for a bank loan? What is the application process?
What are the requirements for bank loans? What is the application process?
Age between 18-60 years old; have a certain repayment ability, it is best to have a stable income and work, no workers need to submit financial documents; personal credit is good, there can not be overdue in the credit, illegal and disciplinary records; personal indebtedness can not be too high, the debt ratio can not exceed 50%. However, meeting the loan conditions does not mean that you can definitely pass the loan, and ultimately the results of the bank's audit will prevail.
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Housing Loan Super Detailed Process
Housing Loan Detailed Process:
1, the borrower to fill out the application for a residential housing mortgage before the loan, and submit to the bank the following documents: borrower's unit of the borrower's fixed economic income issued by the borrower's proof of income; borrower's guarantor's business license and proof of the legal person's creditworthiness Proof of documents; the borrower has the legal effect of proof of identity; in line with the legal provisions of the relevant housing ownership documents or I have the right to dispose of proof of housing; mortgaged property valuation report, appraisal and insurance documents; the purchase and construction of housing contracts, agreements or other documents; loan banks require the provision of other documents or materials.
2. The bank examines the borrower's application for the loan, the contract for the purchase of the house, the agreement and related materials.
3, the borrower will be mortgaged property title certificate and insurance policies or securities to the bank to collect.
4, the borrower and lender guarantor signed a housing mortgage contract and notarized.
5. After the loan contract is signed and notarized, the bank transfers the borrower's deposits and loans to the housing unit specified in the purchase contract or agreement.
6, loan settlement, loan settlement includes normal settlement and early settlement of two kinds.
①normal settlement: in the loan maturity date (one-time repayment of principal and interest category) or the last installment of the loan (installment repayment category) settlement of the loan;
② early settlement: in the loan maturity date, the borrower, such as partially or fully settled in advance of the loan, according to the contract of the loan agreement, in advance of the application to the bank, approved by the bank to the designated accounting counter for repayment.
After the loan is settled, the borrower should take his valid ID and the loan settlement certificate issued by the bank to retrieve the legal certificates and relevant supporting documents which are in the possession of the bank, and go to the original mortgage registration department with the loan settlement certificate to go through the mortgage registration cancellation procedures.
Buying a used house bank loan flow chart
1, loan application
Borrowers to the financial institutions to put forward the purpose of the loan, the amount and duration of the application.
2, submit the loan information
Submit the application materials, including but not limited to the following (also depends on the specific provisions of each bank's products): the borrower's identity card, the last six months of the current, proof of employment, credit report and home ownership certificate.
This link is quite an important part of the real estate mortgage process, because many customers are in urgent need of money when they take out a loan, if you can prepare these materials in advance, it will save a lot of trouble.
3, see the house assessment
After the materials are submitted, the bank according to the mortgaged house to carry out field surveys, assessment. Each link is an important part of the real estate mortgage process, this link directly determines the amount of your home mortgage. Generally speaking, there will be some discrepancy between this appraisal and the market price, because the appraisal organization will consider multiple factors.
4. Approval of the loan
The home appraisal company will submit the appraisal report or survey opinion to the bank for approval.
5.Signing the loan contract
The borrower and the lending institution will sign the loan contract and all related documents, sign and stamp their handprints, which will be notarized by a notary public.
Home loans, also known as home mortgages. Home loan, is by the home buyer to the bank to fill out an application for a home mortgage, and provide legal documents such as identity cards, proof of income, house sale contract, guarantee and other required documents must be submitted, the bank after examination and qualified, to the home buyer commitment to grant loans, and according to the home buyer to provide the house sale contract and the bank and the buyer entered into a mortgage contract for the registration of real estate mortgages and notarization, the bank. The bank transfers the loaned funds directly to the account of the home selling unit in the bank within the period specified in the contract.
Mortgage_Baidu Encyclopedia