What does the mortgage bank do after signing to the approval cen

1.

1、 The process of commercial housing loan is as follows:

1. The borrower shall fill in the loan application approval form and submit relevant materials to the lending bank (the original and of the proof of down payment, sales contract, ID card, proof of source of economic income, etc.)

2. The developer, as the loan guarantor, signs and seals on the "opinions of the guarantor" column of the loan application approval form

3. The loan officer of the loan bank shall review all the information and documents submitted by the loan applicant and approve them step by step

(4) the loan bank shall retrieve the materials for completing the proceres and issue the loan according to the loan contract that is in force according to law

5. The property registration and notarization departments of the land and resources bureau go through the registration proceres of real estate property mortgage

6. Inform the developer to take back the loan contract, and the developer shall issue the certificate of payment to the lending bank

7. Inform the borrower to take back the loan contract, loan receipt and insurance policy

After the principal and interest of the loan are settled, the mortgage registration is cancelled and the contract is terminated

Second, the proceres that need to be handled after the housing loan is approved are as follows:

if the loan has been approved, the developer will inform to get the house purchase contract that has been registered in the real estate management department, because if the bank does not issue the loan, the developer will not get the signed house purchase contract to the real estate management department for registration

banks usually send loan contracts and repayments to developers in batches, so they can get loan contracts and bank cards while getting the house purchase contract. In a word, once the loan is approved, you can get:

1, the developer completes the registration of the house purchase contract

The purchase contract between the bank and the applicant and the corresponding notarial certificate

3. Bank card for repayment (the bank will dect the mortgage money from that bank card regularly every month)

4. Some banks will also issue a loan issuance notice and repayment schele

if you haven't been informed to take these things for a long time, it's better to contact the account manager who issued the loan at that time

First, the types of housing loans offered by banks are mainly divided into two categories: enterprise type and indivial type

personal housing loans can be divided into two categories: personal housing provident fund loans and personal housing commercial loans, entrusted loans, self-supporting loans and portfolio loans

Personal housing provident fund loan refers to the loan applied to the fund management center by the employees who pay the housing provident fund unit to the fund management center on time when they buy and build their own houses (including second-hand houses) in the city, with their property right houses as collateral and guaranteed by the legal person with guarantee ability. The loan can be issued by the bank entrusted by the fund management center

Personal housing commercial loans can be divided into six categories:

(1) personal housing purchase loans (including prospective housing and existing housing)

(2) personal second-hand housing loan

(3) personal housing decoration loan

(4) personal home consumption loan

(5) personal commercial housing loan

(6) indivial housing portfolio loan

(1) personal housing purchase loan refers to the loan issued by the bank with the purchased house as the collateral, including the mortgage loan for the future house and the mortgage loan for the existing house. Among them: the term house refers to the house under construction or the house that has been completed and accepted and is in the process of applying for the house property right certificate; The existing house refers to the house that has completed the project, passed the acceptance and obtained the house property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount

(2) personal second-hand housing loan refers to the loan issued by the bank to the borrower for the purchase of second-hand housing. Among them, the second-hand housing refers to the housing that has obtained all the property rights and can enter the secondary market of real estate. The age of the second-hand house applying for loan is generally not more than 15 years; The sum of loan term and housing age is generally no more than 25 years

(3) personal housing decoration loan refers to the loan issued by the bank to the borrower for self owned housing decoration. The maximum percentage shall not exceed 50%, and the maximum loan term shall not exceed 5 years

(4) personal household consumption loan refers to the loan issued by the bank to the borrower for household expenditure. The maximum percentage shall not exceed 50% of the assessed value of the collateral, and the maximum loan term shall not exceed 10 years

(5) personal commercial housing loan refers to the loan issued by the bank to the borrower for the purchase of personal self operated commercial housing and office housing. The commercial housing purchased should be the existing housing, the maximum percentage should not exceed 60%, and the loan term should not exceed 10 years

(6) indivial housing portfolio loan refers to the loan composed of housing provident fund loan and housing guarantee loan, that is, when the indivial applying for housing provident fund loan is not enough to pay for the house purchase, the insufficient part applies for commercial housing loan from the bank

the interest of the two loans is calculated respectively according to the interest rate of provident fund loan and commercial loan, and the loan term is the same. The borrower can apply for portfolio loan from the bank accepting the provident fund loan. National laws and regulations

housing entrusted loan refers to the loan issued by the bank to the indivial who purchases ordinary housing according to the specified requirements with the housing provident fund deposit as the source of funds according to the entrustment of the housing provident fund management department

Third, the housing self financing loan is a kind of loan which is issued to indivial house buyers by bank credit

Housing portfolio loan refers to the loan issued by the housing provident fund deposits and credit funds to the same indivial who purchases the same ordinary house for their own use, which is a combination of indivial housing entrusted loan and self operated loan

housing savings loan is a kind of loan which is based on the premise that the buyers save money from the bank in advance in order to obtain the bank loan. It is the contractual housing savings that banks set up to solve the problem of financial difficulty for those who have not participated in the provident fund or who have obtained the provident fund loan but still have a capital gap

2. Usually the bank approved with the loan book, can arrange to the housing authority to do mortgage.

3. I don't know which city you are in, so I can only answer according to the usual situation
1. Just answer truthfully according to the situation when you apply for housing loan; 2. There is another decoration contract for the hardcover workshop; 3. Get the contract, the Housing Authority after the formal record belongs to you. 4. When you collect the house, you need to find the property to get the key. If construction quality problems are found, small problems should be handled by the property management department, and serious problems should be negotiated with the real estate company
country garden is a big company. Generally, it will not have any problems, but it is also necessary to be careful that the sales agent speaks freely.

4. Housing mortgage loan generally takes about 25 working days<

the process of housing mortgage loan is as follows:
1. Application
the borrower applies to the bank for a loan and prepares the loan information as required<

2. Submit materials
submit loan materials to the bank, including my valid ID card, income certificate, work certificate, house property certificate, etc< 3. Housing appraisal
the appraisal company designated by the bank concts on-the-spot investigation and appraisal on the mortgaged house<

4. Submit the evaluation report
the evaluation company submits the evaluation report to the bank

5. Sign a loan contract
if the borrower's qualification and the mortgaged house meet the loan requirements, both parties will sign a loan contract<

6. Bank audit
the bank will audit the borrower according to the information submitted by the borrower and the borrower's own qualification, in which it will make a verification call for audit

7. After the approval of the bank's loan approval letter, the bank will issue the loan approval letter to confirm that it can make loans<

8. Mortgage registration
the bank shall go to the housing authority for mortgage registration with the certificate of housing property right and loan contract

9. The branch's approximate quota
the branch applies for the quota from the head office

10. Bank loans
after completing all the proceres, the bank can make loans for the borrower.

5. With the house as a notarial guarantee, the loan can only be made after half a year.

6.

Sign the mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan

1. When buying a house in a bank and applying for a mortgage, the loan generally needs 1-2 loans when all the information is complete and approved. Generally, it will not exceed 15 days, depending on the efficiency of the handling bank. If it is not at the end of the year, the loan is relatively fast

It takes 15 working days to approve the loan and 10 working days to mortgage; Portfolio loans are generally about 15 working days to January; Generally, the approval time of commercial loans is about 5-7 working days after face-to-face signing and all certificates are complete. If the time is too long, it's better for the client to go to the bank for consultation, and the bank will inform him of any problems

extended information:

the overall process of bank mortgage approval:

1. The agency writes and submits the report

generally, after we go to the bank for mortgage application and submit the materials, we do not immediately enter the approval process, It is also necessary to query and print other ancillary information (such as the information system query of the dishonest person, personal detailed credit report, personal risk rating sheet, etc.), and then write a submission report, which is submitted to the reviewer for review - signature of the person in charge of the operating organization - Branch credit audit department

2. After receiving the materials submitted by the institutions, the credit review department will review them in accordance with the relevant regulations of the bank. If there is any doubt or omission, the operating institutions will supplement the materials. If the materials do not meet the requirements of the access, the materials will be sent back to the operating institutions (generally not, when the institutions submit, they will review them themselves first). After the review is complete, the credit review department will review the materials, The reviewers will issue review opinions and submit them to the person in charge of the review department for review

3. Approval

after the person in charge of the credit review department has checked and found no error, it will be submitted to the leader in charge of the branch for approval. The normal leader will pass it directly after seeing it, and rarely rejected it, which is generally within three days

4. Loan

after the approval of the leader in charge, the examination department can issue a notice of approval opinions and hand over the materials to the operating organization. At this time, the customer manager can take the relevant materials to the loan center to apply for loan