After the loan is successful, a loan contract should be signed, which will include the annual interest rate, amount, loan time, repayment date, repayment amount, repayment account number and so on. This kind of loan is actually a loan method in which the debtor legally transfers his property to the creditor in order to obtain a loan. During this period, if the debtor fails to repay the principal and interest of the loan on time, the creditor has the right to dispose of the collateral and can be compensated in advance.

How to make real estate mortgage loan

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. The real estate mortgage loan process is as follows:

1. The applicant prepares materials to apply for a loan from a lending institution.

2. Acceptance by lending institutions.

3. The appraisal company evaluates the real estate (collateral).

4. Lending institutions obtain approval evidence according to the information and evaluation report provided by customers.

5. With the approval of the bank,

6. Lending institutions will issue loans and issue authority certificates to them after obtaining them.

7. Lending institutions conduct post-loan management.

Repayment method of real estate mortgage loan

Repayment method: equal principal and interest, average capital. Matching principal and interest is a repayment method recommended by the bank, and the monthly repayment amount is the same. General fund customers have high cost performance and low interest, but the monthly repayment amount is different. The loan principal and interest shall be repaid by monthly matching principal and interest method or monthly average capital method.

1. Equal principal and interest method: The borrower will deposit the repayment funds in full into the personal repayment account on time from the next month after the loan is issued (the unit will deduct the withholding money from the personal salary every month).

2. Matching principal and interest: The term of mortgage loan for individual house purchase is generally more than one year, so one of the repayment methods is the matching principal and interest repayment method, that is, from the second month of using the loan, the loan principal and interest will be repaid in equal amount every month.

To solve the problem of real estate mortgage loan and the repayment method of real estate mortgage loan, you must first meet the relevant conditions, and then prepare some materials to go to the bank for processing. Mortgage of real estate can solve many problems in people's lives and alleviate immediate difficulties, so it is necessary to buy real estate.