1, service introduction

A loan is a form of credit activity that is lent to a bank or other financial institution to lend money to a certain interest rate and the conditions for which it must be returned. There are two main types of commercial loans involved in the sale of housing: mortgages and mortgage loans. Mortgage refers to the rights of people in their own name of property, through the way of mortgage loans to banks to apply for loans, funds used to not limit the specific consumption (for example: consumption, decoration, car, study, etc.).

2, process

(1) credit check, evaluate the query
(2)signed loan
(3) property assessment
(4) the bank granted loans
(5) the bank for mortgage registration:
(6) the right to receive his certificate:
(7) bank lending

3, the need for materials

1, I (and spouses) id;
2, I (and spouses) Hukou;
3, proof of marital status;
4, proof of income (at least two times the monthly payments and other liabilities of more than );
5, salary (a fixed amount of water fixed date, at least monthly payments and other liabilities of more than;
6, issued proof of income of the work unit business license copy of a piece (registered capital of RMB 100 million yuan of above, in the validity period of the annual inspection shall be stamped with the seal);
7, Diploma (University);
8, the use of consumer contract;
9, other: such as the purchase of housing for a total of people, a total of people should be common borrowers, should also be submitted to the above information; other large property certificates, such as motor vehicles, other properties, certificates of deposit, etc..