1. Housing loan, also known as housing mortgage loan, refers to the application form for housing mortgage loan filled out by the buyer to the loan bank, providing ID card, income certificate, housing sales contract, guarantee and other documents that must be submitted according to legal documents.
Second, after passing the examination, the loan bank promises loans to the buyers, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.
Three: 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; Generally need commercial housing, apartments, shops, office buildings.
Fourth, real estate mortgage loans generally need professional real estate guarantee companies to handle. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage to meet temporary consumption needs and even business needs, in order to revitalize the real estate held by residents. Among various financing channels, real estate mortgage is still one of the lowest cost ways.
Verb (abbreviation of verb) The borrower should fill in the Application Form for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower;
Six: the certificate of ownership of the house or the 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; Other documents or materials required by the lending bank.