什么是按揭贷款（What is a mortgage loan）.docVIP

什么是按揭贷款（What is a mortgage loan） The mortgage loan is the property buyers to purchase housing as collateral and guarantees providing by the purchase of housing real estate enterprises real estate enterprises to provide security for the individual housing loan business. Mortgage loans in the people are most concerned about the conditions and procedures for mortgage loans, first you need to provide information: 1, the applicant and spouse identity card, residence and a copy of the original 3 (such as the applicant and the spouse does not belong to the same account to prove the other of marriage). 2, the original purchase agreement. 3, the price of 30% or more of the deposit receipt and a copy of the original 1. 4, the applicants family income proof materials and related proof of assets, including payroll, personal income tax policy, units issued proof of income, bank deposit etc.. 5, developers account number 1. The loan formalities and procedures in this way. First of all, please go to the bank to understand the relevant circumstances. And relevant bring all the above information to apply for individual housing loans. Then accept the bank for your review, and to determine the loan amount. Then you can apply for a loan contract, the bank and insurance agents. For property mortgage registration and notarization. The last is the bank loans, the borrowers monthly repayment and repaid loans after the cancellation of registration. After the above procedures and processes, you can get a new house by mortgage. The reporter described above you should have a deeper understanding of the mortgage, and to handle matters related to mortgage loans, hope this key to open more, I belong to you, the door of his new house. How to handle the purchase of mortgage loans? The mortgage is quite common in the United States, Japan, Singapore, Hongkong and other developed countries and regions, has become a popular way of financing the purchase of a building. In China, the mortgage in recent y