Building a warm and comfortable home should be everyone's dream, and decorating your house beautifully is the premise. But many friends were short of money, so they thought of a way to mortgage the property and apply for a loan. Then, how is this mortgage decoration loan handled and what is the process?
The following is the general process of mortgage decoration loan:
1. First contact the loan personnel of the lending institution to determine the feasibility of this loan;
2. If the borrower's comprehensive qualification is up to standard, it is necessary for the borrower to provide collateral proof, and find an evaluation company recognized by the lending institution to evaluate the value of collateral and preliminarily judge the loanable amount;
3. After the preliminary work is completed, the borrower needs to bring his ID card, real estate license, land use certificate, residence certificate, income certificate, bank account and other materials to the lending institution to submit these materials;
4. After that, the lending institution will review the borrower's loan application. After approval, the borrower shall sign a loan contract with the lending institution and determine some follow-up matters.
5. After the contract is signed, the borrower should go to the local housing management department to register the property mortgage. Generally, it is necessary to bring the loan contract and other procedures.
6. After all the formalities are completed, the borrower only needs to wait for the loan.
The above are just some basic processes of mortgage decoration loans. Of course, in addition to mortgage property, you can also apply for a decoration loan with a car mortgage. But in car mortgage, only loan companies can handle this business, and banks usually don't have this business. If there is no collateral, you can also apply for personal decoration of the house, but the amount is not very high, and the monthly income requirements for individuals will be higher.
How to apply for loan decoration? There are several ways to teach you how to handle it easily.
Many friends spent almost all their savings after buying a house, and began to worry about having no money when decorating. After all, decoration money is also a big expense. For those who do not have enough funds to decorate, but are in a hurry to decorate, they can use the method of loan decoration. So how do you apply for a loan to decorate? Mortgage loan, credit loan and credit card can be used in installments.
1, mortgage loan
Mortgage loan is a way to solve how to apply for loan decoration. After buying a house, you can submit a decoration loan application to the bank with the house you just bought. Lenders need to provide the bank with purchase contracts, invoices, renovation contract signed with the decoration company, decoration budget and other materials. The loan amount in this way will generally be higher, but it will be a bit troublesome to handle.
2. Credit loan
If the buyers have good credit and stable income, how to apply for loan decoration can also be solved through credit loans. This method does not need mortgage and guarantee, but it needs to provide some documents such as income proof. Compared with mortgage loan, the procedure is simpler, but generally speaking, the loan amount is lower than mortgage loan.
3. credit card installment payment
Some decoration companies will cooperate with banks. In this case, how to apply for loan decoration can be easily solved by credit card installment. If you use a credit card for installment, the procedure is relatively simple and the operation is very convenient. If you are afraid of trouble, it is more appropriate to choose this method.
For those who buy a house and want to decorate it quickly, but lack of funds, loan decoration is a good way. The above three ways of mortgage loan, credit loan and credit card installment are introduced, which can be regarded as a way to solve the problem of how to apply for loan decoration. Which method to use specifically should be combined with your own situation and choose the one that suits you best.
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What information should be submitted for the renovation of real estate license mortgage loan?
What information should be submitted for the renovation of real estate license mortgage loan? The materials to be submitted for the mortgage loan of real estate license decoration involve not only the basic information, but also the real estate itself, which is divided into existing house mortgage and forward house mortgage. Let's take a look at what materials need to be submitted for existing home mortgage decoration and forward home mortgage loan.
I. Existing renovation mortgage loan
(1) Real estate mortgage contract (signed by both husband and wife).
(2) real estate license.
(3) Copy of land use right certificate (original inspection).
(4) A real estate appraisal report issued by a qualified appraisal agency.
(5) Bank loan contract.
(6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles.
Second, the renovation of mortgage loans for faster houses.
(1) Purchase pre-sale contract.
(2) Sign a house purchase loan contract with the bank.
(3) Copy of the house purchase prepayment receipt (original inspection).
(4) A copy of the marriage certificate of husband and wife (original inspection), a certificate issued by the civil affairs department where the household registration is located.
Third, the real estate license mortgage loan process
1. Prepare materials, including husband and wife ID cards, household registration books, marriage certificates, real estate licenses, purchase contracts or invoices, and bank statements of personal accounts in the last six months.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
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.
The above is the introduction of what information, loan interest and loan amount need to be submitted for the renovation of real estate license mortgage loan, hoping to help everyone. Learn more about decoration loans, and welcome to continue to pay attention to Fuwo decoration strategy.
This is the end of the mortgage decoration and the photo introduction of the neighbors in the mortgage decoration. I wonder if you have found the information you need?