Bank loans to housing trading center

1. This is the division of authority of national administrative functional departments. Each department has its own division of responsibilities. The administrative approval service center is to handle mortgage, so you need to come here. There's no reason for this. It's like calling 119 when you find a fire, 110 when you find a bandit or police, and 120 when you find that you need first aid. That is to say, regulations.

2. It is impossible to have such a situation. First, if it is a housing purchase with provident fund loan, that is, after the approval of the provident fund center, the bank designated by the provident fund will carry out mortgage loan, and the approved loan will be directly transferred to the developer. Second, if it's a personal housing loan, it's only to mortgage the real estate purchased by the lender. There's no need to mortgage other people's real estate certificate. Third, if it's to mortgage other people's real estate certificate, then you belong to the guarantor. At that time, if there is a debt dispute, you also have the responsibility. Therefore, the house property certificate cannot be borrowed.

3. The basic process of mortgage loan is as follows:
on-the-spot house inspection:
loan officers, intermediaries, appraisers, buyers and sellers go to the house site where the mortgage loan is applied for to conct on-the-spot house investigation
property right verification
the property owner and the co owner (the seller) shall bring the original ID card and the original house property certificate to the housing authority for verification and go through relevant proceres
signing the contract:
the bank carefully checks and verifies the original data of the customer, identifies the authenticity of all the signers, supervises the signature of the customer, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the data, and reminds both parties to handle accounts in the bank
fill in the contract:
the bank sorts out the information and fills in the contract according to the relevant information provided by the customer
payment obligation:
the bank will inform the customer to pay the fee after passing the preliminary examination
property right transfer:
the buyer and the Seller shall handle the property right transfer proceres with the help of the housing authority; The lender shall prepare relevant materials and go to the bank for mortgage proceres
bank loans.

4. MD5 is used to check whether the file is consistent, it doesn't matter if it doesn't, just install it.

5. After the mortgage repayment, we need to go through the following proceres: 1; 2. Go through the refund procere of the corresponding premium to the insurance company; 3. Return the deposit to the developer (if any). If you have applied for the house property certificate ring the loan period, you only need to get the cancellation form, other certificate and ID card of the bank to the window of the housing management office of the administrative service center. If you have not completed the property certificate, the bank's cancellation will be cancelled after the loan is completed, and then the property certificate must be taken. The following information should be taken: 1, the property owner and the identity card or household register , registered residence certificate and personal seal 2, purchase contract (original) 3, certificate of title 4, purchase invoice and photo 5, door card certificate and photo.

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7. If necessary, you need to go to the registration department of the place where the house is located with the settlement certificate to cancel the registration of the house mortgage. Generally, the bank will prompt you how to do it. If you do not cancel the mortgage, the mortgage will always exist, affecting your subsequent disposal of the house.

8. The bank will let you know
the salesman who helps you with the formalities will call you