What are the conditions and procedures of housing mortgage loan? Will the bank inform me of the loan?

The preconditions of real estate mortgage loans are different from those of banks, and the conditions will be slightly different:

1. Require the borrower to be 18-60 years old and a China citizen with full civil capacity;

2. Have legal identity documents, legal permanent residence and a good working enterprise;

3. Excellent personal credit record and comprehensive score meeting the requirements of bank loans;

4, the wage income level is qualified, with the ability to repay the loan principal on schedule;

5. Being able to provide reasonable, lawful, reasonable and sufficient mortgage loan guarantee;

6. The property right of the house is clear, there is no debt dispute, and it can be traded at will in the market;

7. The borrower has a clear, reasonable, legal and compliant loan purpose;

8. If business is the main purpose, it is also necessary to provide relevant raw material business qualification certificates;

9. If the company manages loans, it also needs to provide company identity materials;

10, basically set up a bank settlement account in this borrowing bank;

1 1. Education required by the borrowing bank.

Materials required for real estate mortgage loan 1, my basic information

The original and photocopy of the valid ID card, household registration book or reasonable temporary residence permit and unmarried certificate of the borrower and its spouse.

My credit authorization or credit report, proof of work income, and bank card flow in the last year.

2. Relevant information of the company

Personal identity information, company legal person qualification certificate, original and photocopy of business license.

If the loan is used for business purposes, it is necessary to provide proof of business premises, business flow in the last year and its financial report.

3. Real estate mortgage materials

Identity certificate of the house owner, house ownership certificate or immovable property certificate, house evaluation report issued by a specific banking institution, and notarized power of attorney (if any).

4. Information about the purpose of the loan

For example, contracts or agreements are usually bought and sold for major commercial purposes, such as manufacturing, purchasing machinery and equipment and expanding factories. For example, it is used for studying abroad, medical tourism, shopping and so on. Generally, there are admission notices, settlement lists and consumption receipts. These are documents that prove the purpose of the loan. If the loan amount is small, detailed proof is generally not needed. If the loan amount is large, it needs to be provided.

Warm reminder: the mortgage loan funds cannot be used for real estate investment, financial market, futures trading market, purchase of wealth management or other equity investments, and projects prohibited by relevant laws and regulations.

Will the bank inform itself of the loan? Usually before lending money, the bank will send a message to remind the borrower to pay attention to the check. If the borrower doesn't receive the short message for some reason, there is no need to panic. If it is a large loan, the business manager will inform the borrower in advance that it will lend money.

If the borrower handles the housing loan, it needs the bank's signature when issuing the housing loan. If the borrower does not sign, it is confirmed that the loan contract is not recognized by law and the loan is invalid. If the bank lends money without the borrower's signature, it is illegal to operate.

If the borrower is not informed after the bank lends money, the final housing loan will appear in loans overdue. This is the bank's own fault, not the borrower's. The borrower can go to the bank directly, inform the situation and then settle the repayment amount.

If the bank fails to report the overdue loan, the borrower may negotiate with the bank not to report the overdue loan. If the bank has reported the loss of overdue repayment, the borrower can also ask the bank to issue a malicious overdue certificate, and then go to the Credit Information Center of the People's Bank of China to change the overdue record of this credit information.