Are there any procedures after the real estate mortgage loan interview?

The mortgage loan interview is not the last step.

The steps for a house mortgage loan are:

1. Submit an application: The borrower applies for a loan to the bank and prepares loan information as required.

2. Submit information: Submit loan information to the bank, including your valid ID card, income certificate, work certificate, house ownership certificate, etc.

3. House evaluation: The evaluation company designated by the bank conducts on-site investigation and evaluation of the mortgaged house.

4. Submit the appraisal report: The appraisal company submits the appraisal report to the bank.

5. Sign a loan contract: If the borrower's qualifications and the mortgaged house meet the loan requirements, both parties will sign a loan contract.

6. Bank review: The bank will review the information submitted by the borrower and the borrower's own qualifications, and will make a verification call to conduct the review.

7. The bank will issue a loan letter: After passing the review, the bank will issue a loan letter to confirm that the loan can be provided.

8. Mortgage registration: The bank will go to the Housing Authority to handle the mortgage registration procedures with the house ownership certificate and loan contract.

9. Branch quota agreement: The branch applies for a quota from the head office.

10. Bank loan: After completing all procedures, the bank can issue a loan to the borrower.

1. When going to the bank for an interview, you need to pay attention to the following matters:

1. Proof of income: The borrower’s income certificate needs to be stamped with the official seal of the unit or the seal of the human resources department, which cannot be altered. The proof must be more than twice the monthly payment, otherwise it will affect the loan amount. If the income is not enough, you can add more borrowers. If there are other loans outstanding, proof of income must be more than twice the total monthly repayments of all outstanding loans to be approved.

2. If you are unmarried: If you are unmarried, you need to provide your ID card, household registration booklet, academic certificate, income certificate, statement, business license copy with official seal (not required for state-owned enterprises, institutions, and Fortune 500 companies), bank Card.

3. If you are married: If you are married, both husband and wife must be present, household registration books, marriage certificates, academic certificates of both parties, income certificates, statements, business license copies with official seals (state-owned enterprises, public institutions) , Fortune 500 (not required), bank cards, etc.

4. If it is a second home: The property ownership certificate and loan contract (settlement certificate) from the first home purchase are required.

5. Online signed contracts: At present, all banks have reviewed online signed contracts as a necessary part, so online signed contracts must be provided. The bank will approve the loan amount based on the lower of the house's appraised value and the online contract price.

6. Determination of liquidated damages: Confirm the liquidated damages for early repayment with the bank.

2. The bank mortgage interview and approval process can be roughly summarized as follows:

1. Bring valid ID cards and other materials to the bank;

2. Loan officer review Materials (ask the borrower’s loan needs and personal situation based on the materials provided);

3. If the materials are incomplete, they will be required to be completed within the agreed time.

The above is the interview process. After the interview is passed, the next step is to proceed:

1. The bank evaluates the loan house;

2. The bank evaluates the loan house;

2. The borrower will undergo a secondary review;

3. The bank will issue a loan approval letter after agreeing to lend;

4. The buyer and seller will transfer the property rights;

5 , go through the property mortgage procedures;

6. Bank loan. What are the procedures after the interview for Construction Bank Credit Card (debit card)?

After the China Construction Bank credit card (credit card) interview is passed, the bank will step up the process of card production and mail the card. After the applicant receives the credit card (credit card), he or she must activate the credit card (credit card). ) and bind the card for payment, and you can also bind the agreed repayment account, so you can smoothly use the new credit card (credit card) to make purchases with the credit card (credit card).

To activate a credit card (credit card), you can log in to mobile banking and activate the unactivated credit card through the homepage Credit Card (Credit Card) - Credit Card (Credit Card) Management - Credit Card (Credit Card) Activation menu. (credit card), and can be linked to set the password for card consumption and cash withdrawal. Due to different versions of mobile phones, the operation path may be different; the activation of credit card (credit card) can also be done at various outlets. What are the other procedures after the provident fund interview?

Housing provident fund loan process:

Lenders applying for housing provident fund loans must submit a written application to the bank;

For applicants with complete information The bank will accept and review the loan application in a timely manner and submit it to the Provident Fund Center in a timely manner;

The Provident Fund Center is responsible for approving the loan and notifying the bank of the approval results in a timely manner;

The bank shall follow the approval results of the Provident Fund Center Notify the applicant to go through the loan procedures. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. After approval, the Provident Fund Center will allocate the entrusted loan fund, and the entrusted bank will The contract stipulates that the loan shall be disbursed on time and in full;

If it is guaranteed by a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the property mortgage registration procedures. The mortgage contract or agreement shall be signed by both husband and wife. If securities are pledged, the borrower shall hand over the securities to the management department or alliance center for safekeeping.

The application conditions for a provident fund loan are:

Have a valid household registration in the town where the loan is taken and can provide a valid proof of residence;

Have made 6 consecutive deposits before the loan For housing provident funds of more than 12 months, the cumulative payment time of the provident fund cannot be less than 12 months;

The self-raised funds for the first house must be more than 30 (inclusive) of the total price of the house purchased, and the first house must be less than 90 square meters. The mortgage loan only needs 20%;

The borrower has a legitimate job and stable income, a fixed monthly salary income, and a clear intention to repay the loan;

Signed with the sales office House purchase deed or contract;

Comply with other conditions specified by the principal and trustee.

Provident Fund loan disbursement time:

1. House purchase qualification review

It takes 10 working days for Provident Fund loan to conduct house purchase qualification review, and the house verification will be done at the same time (3 working days), if you have a mortgage, you need to release the mortgage during this period;

2. Online signing and real estate evaluation

Online signing takes 1 working day, and the evaluation and real estate evaluation are submitted at the same time. The result will be available within 5 to 7 working days;

3. Application interview and preliminary review

The provident fund loan application interview and preliminary review will take 5 to 8 working days to complete. If you need to provide materials, If there are inconsistencies or other circumstances that require proof, it will take another 5 to 8 working days;

4. Sign the loan contract

It will take 1 working day for the Provident Fund Management Center to sign the loan contract;

5. Apply for a mortgage

The buyer and seller pay taxes and transfer the property. The borrower uses the new house as a mortgage and issues other rights certificates. It takes 5 working days;

6. Waiting Loan

After the above process is completed, wait for 10-15 working days for the loan.

In general, it takes 6 to 8 weeks, that is, 1 to 2 months to process a provident fund loan. However, for areas with tight provident funds, the loan processing cycle may be longer, depending on the city. The approval time will also vary. For details, please consult the local provident fund center.