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1. Basically, it's like this. Let me give you a reference for the process
in the first step, the applicant pays the down payment as agreed and signs a house purchase contract with the developer
in the second step, the applicant applies for the loan, fills in the loan application form and submits the application materials required by the bank
the third step is bank acceptance, investigation, review and approval. The approval process includes: the bank shall investigate and verify the relevant information, and decide whether to issue the loan, the amount, interest rate and term of the loan
Step 4: after the approval, the bank signs the loan contract with the borrower and goes through the filing and mortgage proceres
the fifth step is that the bank issues the loan, and the applicant repays the loan on time according to the specified repayment method.

2. For the first time loan to buy a house, may not understand what the bank signature is. In fact, many of them are now facing the problems of bank lending and face-to-face signing
second hand housing bank loan face to face signing process: it can be divided into two types: intermediary agent and indivial handling< First, intermediary agency:
the real estate intermediary agency can basically save a lot of time for both parties, but the specific contract face-to-face signing and bank face-to-face signing also need to be carried out by both parties. Compared with the indivial handling, the intermediary agency needs to join the intermediary agency contract, and the three parties have the binding force of the contract< Second, personal handling:
Personal handling is basically the direct contact between the buyer and the seller. Although the high intermediary fees are saved, the risks are directly borne by both parties
personal signature process: confirm that the house has no mortgage or any debt problem → confirm the house loan situation → if there is still a loan outstanding, both parties will discuss the way to release the mortgage of the real estate bank → confirm the payment method for house purchase, commercial loan or provident fund loan → it is better to find a third-party guarantee company, Because bank lending must be carried out after the house transfer → signing a contract to pay deposit, online signature of Housing Administration Bureau → paying tax → transfer of ownership → both parties make an appointment to the bank for face-to-face signature
necessary materials for bank face-to-face signature
I. buyer's spare parts:
1. Married (both husband and wife should be present): ID card, household registration book, marriage certificate, temporary residence certificate (foreign account), academic certificate of both parties (high school or above), income certificate, current water, of business license with official seal (not required for state-owned enterprises, public institutions or fortune 500) Work permit (not for private enterprises) and bank card signed face to face
2. Unmarried: ID card, account book, temporary residence card (foreign account), academic certificate (high school ecation or above), income certificate, running water, of business license with official seal (not required by state-owned enterprises, public institutions or fortune 500), work card (not required by private enterprises), bank card signed in front of them When the buyer needs to add the guarantor and the borrower to sign face to face, they should be present at the same time
note: in case of two sets of face-to-face signature, it is necessary to provide the property right certificate and loan contract (settlement certificate) when purchasing the house for the first time. If the property address on the property right certificate is inconsistent with the property address in the loan contract, it is necessary to provide the property right certificate or the property address certificate issued by the neighborhood committee< Second, the seller's spare parts:
1. The owner's ownership certificate (both married couples should be present), the original purchase contract for the purchased public house (if there are restrictive terms, the unit needs to issue the certificate of abandoning the preemptive right or agreeing to sell), the central delivery room needs the listing form, ID card, household register, marriage certificate, bank card or current passbook
2. Divorce of the seller: divorce certificate and divorce agreement or court judgment are required if the real estate is purchased ring the marriage (the original spouse is required to be present if the property right is not clear), and divorce certificate and deed tax ticket are required if the real estate is purchased after divorce
3. Widowhood of the seller: notarization and death certificate are required.

3. Housing Authority signature must be in person, if not in person, can handle notarization power of attorney, with the same legal effect
what kind of certificate is needed when handling the house property certificate for face-to-face signature
when negotiating the house price, the house property right certificate, household register, marriage certificate, sales contract, household confirmation approval form, land certificate or should be taken to sign the contract
real estate certificate is a certificate that the buyer obtains the legal ownership of the house through transaction, and can exercise the right of possession, use, income and disposal of the house according to law. The house ownership certificate is the legal certificate for the state to protect the house ownership in accordance with the law. The owner of the house manages and uses his own house. House property certificate includes house ownership certificate and house co ownership certificate. In general, house property certificate is the abbreviation of house ownership certificate, which is a written certificate issued by the real estate registration authority to prove the ownership of house< As one of the certificates, the house property certificate has the following characteristics:
(1) the house property certificate can only be issued by the real estate authority
(2) the house property certificate is a written proof of the ownership of a specific house, and can record the co ownership of a specific house and whether a security interest is set. Based on the principle of one property and one right, the house property certificate is based on the principle of one house and one house property certificate, that is, a house with independent building structure and use function (including the houses with different ownership) has only one ownership, and there can only be one ownership registration in the real estate registration, and only one house property certificate can be issued accordingly
(3) the house property certificate can only be issued to the owner of a specific house. If the house is jointly owned, in addition to the house ownership certificate, the co ownership certificate can also be issued to the co owner
(4) the real estate certificate is issued to the specific right holder by the registration authority after the registration of the specific housing ownership. The content of the real estate certificate should be consistent with the content of the register< (1) within one month after the transaction, the buyer and the Seller shall register with the real estate exchange for the transfer of ownership by holding the house sales contract and other certificates. To register, you need to bring ID card, household register, commercial housing sales contract and other documents and information
(2) after receiving the notice from the exchange to handle the transfer proceres, the buyer and the seller should carry the ID card, account book, stamp, etc., and can handle the transfer proceres after paying the handling fee, deed tax and stamp ty. The exchange will issue the real estate deed of sale to the buyer. In principle, the real estate certificate shall be handled jointly by the buyer and the seller. If both the buyer and the seller or one of them is unable to go through the proceres of transfer of ownership and registration of property rights for some reason, they may issue a power of attorney to entrust an agent to handle the proceres on their behalf
(3) after the transaction transfer proceres are completed, the buyer should register with the housing and Land Administration Bureau of the city or district (county) where the house is located within three months with the real estate sales contract issued by the real estate exchange. The documents and materials required for the application include: the ownership certificate of the whole building owned by the seller, the purchase and sale contract of commercial housing, the of the stub of commercial housing sales invoice, the of ID card, the registration form of house ownership transfer, the wall boundary table and the area calculation table
(4) after the examination and verification by the real estate management department, the buyer can get the real estate certificate.

4. Hello, I usually carry my ID card, house property certificate, house purchase contract and other information.

5. Get the contract to the Housing Authority mortgage, and then go to the bank, and then developers pay, and then repay the loan

6. Objects disappear when they fall into magma, when they fall into a burning fire, when they explode
therefore, if you fall into the magma, the objects will disperse after death. If you scatter and throw them into the magma, they will disappear. If they scatter in other places (such as stones), they will not disappear
if you are killed by a cactus, it will not disappear.
if you are killed by a coolie, the goods will not disappear, but there are two coolies who are afraid of exploding one after another. The first time you are killed by an explosion, the goods will fall, and the second time they will explode, then your things will be gone.
have a good game!

7. In the people's Bank of Baotou
Tel: - 5173216
Fax: - 5173216
address: 48 Ganggang street, Qingshan District, Baotou City, Inner Mongolia

8.

Baotou Inner Mongolia needs to go to the local people's Bank to make a credit report

if it involves printing paper credit report, it needs to go to the people's Bank of China. We need to find the nearest people's Bank of China. Credit report is divided into personal credit report and enterprise credit report, which is issued by the credit reference center of the people's Bank of China to record personal credit information

is used to query the social credit of indivials or enterprises. Credit report can be divided into three categories: personal basic information, credit transaction information and other information. After the official website, open the Internet personal credit information service platform in the core business column

extended data:

the introction of personal credit report is as follows:

we should pay attention to personal credit investigation, daily card use should not be overe, card use should not be against regulations, and credit inquiry should be paid attention to, too much will also show bad credit investigation. The credit report needs to be inquired by myself, and there are three most commonly used ways. After submitting a personal credit inquiry, you will receive a verification code within 24 hours

log in the website and input the verification code to query the personal credit report. In dealing with all kinds of banking financial business, personal credit is very important, if the personal credit has bad records, most of the business applications are not passed