1. Both parties sign a sales contract for mortgaged house (or pre-sale house). Of course, this is only an intentional contract, and no down payment is required. The down payment depends on the terms you negotiated with your predecessor. 2. Submit a loan application to the bank. Some banks force you to put the down payment on him. How to deal with this matter is a matter of opinion. During this period, after the bank accepts your application, if the information is incomplete or insufficient, it will ask you to provide supplementary information. The general mortgage loan approval time will be about 2 weeks; Some banks will ask you to apply for a credit card and manage money when you apply for a loan. Those may be gold traps. When the bank has approved your mortgage loan application in Chongqing, but has not given you a loan, you should pay attention. You should ask the person in charge of the bank when you can arrange a loan after the mortgage is completed, at least give it a time. After confirmation, you can handle it. 4. Sign loan contracts with banks, pay various fees, and handle mortgage insurance. When signing a loan contract, you should read the terms clearly, because most bank managers do these loan contracts in batches, and mistakes and omissions are inevitable.
Second, how to apply for mortgage loan for mortgaged real estate?
Personal property mortgage loan process: 1, loan application: the borrower proposes the purpose, amount and time of the loan; 2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including: my spouse's ID card, household registration book, income certificate, personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status. 3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation and appraisal (measurement) of mortgaged houses; 4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval; 5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary; 6. Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract; 7. Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).
Third, how to apply for a mortgage loan without a mortgage?
You can't apply for a mortgage loan without a real estate license. You can apply after the real estate license is processed.