Housing mortgage loan conditions:

The service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Commercial housing, apartments, shops and office buildings are generally needed.

General real estate mortgage loans need to be handled by professional real estate guarantee companies, and real estate mortgage loans have become an important means of personal real estate financing.

Lending funds through mortgage loans to meet temporary consumption needs and even commercial needs, in order to revitalize the real estate held by residents, and in various financing channels, real estate mortgage loans are still one of the lowest cost ways.

According to the data provided by Anjiashiyin Guarantee Co., Ltd., the first wholly foreign-owned real estate guarantee company in China, nearly 30% of the real estate mortgage loans are used to buy houses again, and other uses account for a relatively high proportion: commercial use, car purchase, study abroad, decoration and purchase of bulk consumer goods.

Extended data:

Process:

Suitable for banks and other financial institutions.

1. Borrower's pre-loan consultation: Fill in the Application Form for Residential House Mortgage and submit the following supporting documents to the bank: the borrower's fixed income certificate issued by the borrower's unit, the loan guarantor's business license and legal person certificate and other credit documents.

Legal and valid identity certificate of the borrower; Proof of the ownership of the house or proof that I have the right to control the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate, contracts, agreements or other supporting documents for the purchase and construction of houses, and other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall submit the certificate of ownership of the mortgaged property and the insurance policy or securities to the bank for safekeeping.

4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: settlement on the maturity date of the loan (one-time repayment of principal and interest) or settlement in the last installment of the loan (installment repayment);

② Early settlement: Before the loan maturity date, if the borrower settles part or all of the loan, he must apply to the bank in advance according to the loan contract, and the repayment will be made at the designated accounting counter after the approval of the bank.

After the loan is settled, the borrower will take back the legal documents and related certification materials extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.