How often will the mortgage be notified through the sales office?

Under normal circumstances, after about 15 days, we will inform the sales department to apply for a mortgage. Because this process needs relevant audit procedures, it will take a little longer, but it will take about 15 days at the latest. At this time, customers need to wait patiently.

In addition, when a customer applies for a housing loan at the bank, the bank will send a message to inform the customer in time after the audit. However, the customer will be informed whether the audit is passed or not, so the customer need not worry.

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Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled out by the buyer to the loan bank, and provides documents that must be submitted according to legal documents, such as ID card, income certificate, housing sales contract and guarantee.

After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).

Loan application information:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.

Procedure:

1. The borrower shall fill in the Application Form for Housing Mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; 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 borrowers 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. The loan applicant repays the loan on a monthly basis.