Received a short message from ABC about mortgage loan. Has the loan been completed?

Received a short message from the bank about mortgage loan, indicating that the bank has completed all the examination and approval procedures and issued loans to real estate developers, and your loan has been completed.

The applied mortgage received a short message from the bank saying that it had been lent, and then it could be fulfilled according to the terms agreed in the loan contract.

After the loan to buy a house and the bank loan, the buyer should get:

House surveying and mapping fee receipt, appraisal fee receipt, deed tax ticket, maintenance fund receipt, transaction fee receipt, registration fee receipt, mortgage registration fee receipt, loan contract, repayment plan, etc. ;

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Personal commercial housing loan process

I. Basic conditions

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

The purchased commercial house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business operation.

A house purchase contract or agreement has been signed (hereinafter referred to as "house purchase contract"), and more than 40% of the house purchase price has been paid.

With the assets recognized by the loan bank as collateral, the present value of the house purchased is not less than RMB 300,000.

It is agreed to handle the bank card (discount) at the loan bank and entrust the loan bank to deduct the principal and interest of each loan.

Two, should provide the following information

Valid identity documents, proof of marital status and other necessary documents of the borrower and the mortgagor;

The real estate certificate of the mortgaged house and the certificate that the mortgaged property agrees to mortgage;

Letter of intent signed by the borrower, receipt of more than 30% of the purchase price or other supporting documents;

Other materials deemed necessary by the lender.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;