What is the process of mortgage loan? The most detailed introduction to the mortgage process

1: Submit the application, get the application form for personal loan of second-hand house from the bank, and then fill in the application form;

2. Housing evaluation, the bank will contact the designated evaluation agency to make an appointment for housing inspection and evaluation. The evaluation agency will issue an evaluation report to the bank.

3. Bank approval. After receiving the evaluation report, the bank will examine the qualifications of the loan applicant. In line with the conditions, the bank will examine and approve the loan amount and term according to the housing appraisal price and the lender's qualification.

4. Pay the down payment and handle the transfer. After the bank completes the examination and approval, the buyer needs to pay the down payment to the seller.

5. After mortgage registration and bank lending, the buyer will generally get the real estate license about 20 working days after the transfer.

Information to be prepared:

Information to be provided by the Buyer:

ID card, household registration book, income certificate and credit report; (Husband and wife: ID card, household registration book, marriage certificate and credit report) Divorce: divorce certificate, divorce agreement or divorce judgment.

Information to be provided by the seller:

ID card, household registration book, property right certificate and property right transfer; (Husband and wife: ID card, household registration book, marriage certificate, real estate license) Divorce situation: divorce certificate, divorce agreement or divorce judgment.

At present, the first suite is 20% off the loan evaluation value.

The evaluation value of the second home loan is 30% off.

The benchmark interest rate is 4. 1%, the term is 10-30 years, and the principal and interest are equal.