Is there a SMS notification for applying for a mortgage?

There is a mortgage application SMS notification. The average homebuyer applies for a mortgage, and after the approval, the bank will send a text message to inform the borrower of the approval. If it passes, it will also inform the time of the face-to-face signing of the mortgage, so the borrower needs to prepare the materials for the face-to-face signing at the agreed time.

What materials do I need to apply for a mortgage?

1. ID cards (or other valid certificates, such as military officer's cards) of the main lender and spouse (if any) who need loans to buy a house as collateral. Household registration book of the main lender and spouse (if any) who borrows money to buy a house.

2. Income certificates of the main lender and spouse (if any) who purchase the house by loan (the total income certificate must be more than twice the monthly payment and income flow (if necessary)).

3. Marriage certificate of the main lender who borrows money to buy a house (single certificate or marriage certificate, some bank single certificates do not need to be issued by the Civil Affairs Bureau, just fill in the single statement and sign it according to the prescribed format). Proof of assets of the main lender and spouse (if necessary). Proof of down payment. House sales contract signed by the buyer and the seller. The house sales contract * * * has the above information.

4. Running a mortgage requires different interest rate policies of each bank. You can choose a bank that is more beneficial to you. If you can use the provident fund loan, you can do it well. The down payment must be paid, otherwise the bank will not give you a loan, but the above problems must be clarified before paying, and don't make a blind decision. After all, the current housing market is not good, and it may be a good choice to wait.

What is the bank mortgage approval process?

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2. Review by the credit review department. After receiving the materials submitted by the institution, the credit review department will review them in accordance with the relevant regulations of the bank. In case of doubt or omission, the operating agency will be required to supplement the materials. If it does not meet the requirements, the materials will be returned to the operating organization (generally, it will be reviewed by the organization itself when it is submitted). After the review is completed, the reviewers will issue review opinions and submit them to the person in charge of the review department for review.

3. recognition. The person in charge of the credit review department shall submit it to the leaders in charge of the branch for examination and approval. Normal leaders will pass it directly after seeing it, and rarely refuse it, usually within three days.

4. Borrowing: After being approved by the leaders in charge, the audit department can issue a Notice of Approval Opinions and hand over the materials to the operating institutions. At this time, the account manager can take the relevant materials to the loan center to apply for loan.