First of all, the mortgage loan must have two certificates (real estate license and land certificate), but at the same time, the land occupied by the house must be state-owned, such as rural collective land (now Hunan Credit Cooperative has developed a new credit variety, and rural self-built houses can be mortgaged), and the loan procedures are the same as other loan varieties.

Second, how do rural credit cooperatives handle housing mortgage loans?

First, the housing mortgage loan application conditions:

1. The nature of the house; Houses, office buildings, villas, commercial houses, houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.

2. The mortgagor (normal age 18-65 years old) is in good health.

3. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). ).

The actual use of funds is clear.

Second, prepare information:

1. Original and photocopy of ID card and household registration book of borrower and spouse (if single, single certificate is required)

2. Proof and copy of the borrower's marital status

3. Family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate)

4. Statement of personal main bank account in the last 6 to 12 months (with official bank seal)

5. Work unit income certificate

6. Proof materials such as family private loans.

7. Evaluation report

Third, the housing mortgage loan process:

1. Submission

2. Sign bank documents

3. Housing assessment

4. The bank passed the audit

5. Bank loans

6. Mortgage registration

7. Repay the loan on a monthly basis

I want to apply for mortgage loan in rural credit cooperatives. What formalities do I need? What is the process? Thank you.

Hello, the procedures of housing mortgage loan in Beijing include: owner's (married) ID card, household registration book, marriage certificate, house registration book, bank account, income certificate, etc. Handling process: house appraisal-preparation materials-bank interview-bank loan approval-mortgage registration of the Construction Committee-bank interview.

4. What procedures do rural credit cooperatives need to handle real estate mortgage loans?

Conditions and materials to be submitted for bank mortgage:

1. Legal residence status. (ID card)

2. Marriage certificate (marriage certificate, marriage certificate).

3. Have a stable occupation and income. (If you buy a house there, you should mortgage it to the local bank, and the income certificate of local work, such as buying a house in Guangzhou, you should mortgage it to the bank in Guangzhou, and you should have the income certificate issued by the company in Guangzhou. )

4. Have the ability to repay the loan principal and interest on schedule (income certificate, bank journal).

5. Need real estate license (clear property rights), but don't need the current pre-sale contract.

Mortgage (used to be possible).

Mortgage loan term

1, usually less than 20 years.

2. The loan term and building age shall not exceed 30 years.

3. Term of loan: The age of the lender shall not exceed the statutory retirement age.

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