Chang 'an Bank Mortgage Approval Process

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of personal housing. Including personal first-hand housing loans and personal second-hand housing loans. Personal first-hand housing loan refers to the loan granted to the borrower for purchasing the first transaction housing (that is, the housing developed and built by real estate developers or other qualified developers and sold to individuals).

Personal second-hand housing loan refers to the loan issued to the borrower to buy the house that the seller has obtained the property right certificate and has the right to completely dispose of and legally trade in the secondary market.

Changan Bank's personal housing loan has a long term, up to 30 years; The loan amount is high, up to 70% of the market value of the house purchased; The repayment method is flexible, and various repayment methods such as average monthly principal and equal monthly principal and interest are provided according to the lender's income; Approval is efficient and timely.

With perfect post-loan service, the lender can enjoy many benefits such as free SMS repayment reminder, deduction notice and so on as long as he opens a long card repayment account in Chang 'an Bank and signs a free SMS contract.

Extended data:

1. 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.

Baidu Encyclopedia-Housing Loan Process