Lenders believe that the borrower's credit information is relatively good, and the application for mortgage generally meets the conditions for credit card approval, so it is handled directly by the borrower, and the borrower can choose not to open it. In the process of repayment, the borrower only needs to use the savings card, and the credit card is not directly related to the mortgage. The conditions for applying for mortgage loans are as follows:

Natural person with age 18-65;

Hold a valid ID card;

Good credit information and no bad records;

Have a stable job and a stable income;

Sales contract or letter of intent for commercial housing with the purchased housing;

Have the ability to pay the down payment of the purchased house;

Open a personal settlement account in a bank with effective guarantee;

Other conditions stipulated by the bank.

Materials to be prepared for applying for mortgage:

Original and photocopy of the ID card of the borrower and spouse;

Original and photocopy of the household registration book of the borrower's husband and wife;

Proof of marital status;

Original purchase agreement;

Original and photocopy of advance payment receipt for 30% or more of the house price;

Proof of income;

Bank flowing water;

Certificate of academic qualifications;

Bank deposit certificate;

Other financial certificates;

The developer's collection account number;

Other materials specified by the bank.

The process of handling mortgage:

Choose real estate;

Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will issue a loan consent notice or a mortgage loan commitment letter;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly as stipulated in the contract.