1. What is the Everbright Bank home loan process?
Process: Specific process (1) Select real estate. If buyers want to obtain building mortgage services, they should focus on understanding this aspect when selecting real estate.
When home buyers learn from advertisements or introductions from salespeople that mortgage loans are available for some projects, they should further confirm whether the properties developed and constructed by the developers are supported by banks to ensure the smooth acquisition of mortgage loans.
(2) When applying for a mortgage loan, after confirming that the property of your choice is supported by the bank's mortgage, the home buyer should learn from the bank or the bank's designated law firm about the bank's regulations on the mortgage loan support for the home buyer, prepare relevant legal documents, and fill in the "
Mortgage Loan Application Form".
(3) Signing a house purchase contract. The bank receives the legal documents related to the mortgage application submitted by the house buyer. After reviewing and confirming that the house buyer meets the conditions for the mortgage loan, the bank will issue a loan approval notice or a mortgage loan commitment letter to the house buyer.
Home buyers can sign a "Commercial Housing Pre-sale and Sales Contract" with the developer or its agent.
The specific process of home purchase loan The specific process of home purchase loan (4) Signing the building mortgage contract After signing the home purchase contract and obtaining the proof of payment of the house payment, the home buyer will sign the "Building Mortgage Loan Contract" with the developer and the bank with the relevant legal documents prescribed by the bank.
》Clear the mortgage loan amount, term, interest rate, repayment method and other rights and obligations.
(5) Mortgage registration and insurance Home buyers, developers and banks should go to the real estate management department to handle mortgage registration and filing procedures with the "Building Mortgage Loan Contract" and the house purchase contract.
2. Consumer loans from Everbright Bank. The original mortgage loan for the house is from Everbright Bank. What other procedures are required? You can apply for a second mortgage loan for a mortgaged house. For details, you should go to the local bank for consultation.
The process of applying for a second mortgage loan: With the consent of the bank, the seller and the buyer conduct a real estate transaction and sign a purchase contract or letter of intent; submit a loan application to the bank and submit relevant information; after the bank conducts a credit investigation and review of the borrower, it will notify
Borrower review results.
If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a "Building Mortgage Supplementary Contract" with the seller. The seller will repay the shortfall in the loan amount that the seller still owes on the principal and interest of the loan; the borrower entrusts the bank to handle the real estate transaction with the seller.
Transfer, mortgage registration, real estate insurance and other procedures; after the bank obtains the "Other Rights Certificate for Land and House", it will transfer the loan funds to the seller's mortgage loan account and related accounts at the original loan outlet to repay the principal and interest of the mortgage loan owed by the seller, and the remaining balance
Then transfer it to the seller's account at the bank; the borrower repays the loan on schedule.
3. What are the high-quality customers of housing mortgage loans in China Everbright Bank’s Revolving Easy Loans?
High-quality housing mortgage loan customers in China Everbright Bank's Revolving Easy Loan must meet the following conditions at the same time: (1) The outstanding housing mortgage in the customer's name is within 1); (2) All loans have no more than 2 overdue records and no consecutive overdue records;
The credit card account is in a normal state and there is no credit card debt; (3) The mortgages under the housing mortgage loan have all completed pre-mortgage registration or formal mortgage registration, except for first-hand high-quality real estate where pre-mortgage registration cannot be implemented and the pre-mortgage has not been processed overdue.
For formal mortgages, Everbright Bank's revolving easy loan means that China Everbright Bank provides revolving credit in a quasi-credit manner to high-quality customers with outstanding housing mortgage loans, and the loan funds under the credit are used for personal comprehensive consumption.
Applicable subjects: Natural persons who are over 18 years old and have full capacity for civil conduct.
Loan Purpose: Used for Borrowing Consumer Loans" Loan Purpose Regulations shall be implemented.
4. Everbright Bank consumer loan. The original mortgage loan for the house is from Everbright Bank. You still need to apply for a second mortgage loan for the mortgaged house. For details, you should go to the local bank for consultation.