When will the contract be signed after the mortgage review?

As soon as the results of the general bank mortgage audit come out and it is found that the audit has passed, the customer will be immediately notified to come to the bank to sign a loan contract. After receiving the notice, the customer can sign the contract with the nearest bank within the agreed time. You can go to the bank to sign the contract on the day you receive the notice. After the customer signs the contract, pays the down payment, completes the insurance, real estate mortgage and other formalities, the bank will issue the loan, and the loan will generally be directly issued to the designated account of the real estate agent.

What is the mortgage review process?

1. The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, proof of income, proof of marital status and other materials (for customers with spouses, spouse ID card and household registration book are also required). If the customer is a mortgage loan, the property right certificate of the collateral shall be provided; If you are a customer with unsecured loans, you need to provide a good credit record.

2. After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank, which will serve as a legal document binding both parties.

3. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer.

In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer also needs to go to the relevant department to register the mortgage for future inquiry.

5. After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.