Personal mortgage loan process is as follows:

1. When applying for a loan from a bank, the borrower shall specify the purpose, amount and term of the loan;

2. Waiting for the audit of the bank. After the data is approved, the bank will conduct on-the-spot investigation and evaluation of the property. Finalize the loan amount;

3 to apply for a loan, the bank approved the loan amount;

4. The loan contract is fair;

5. Go through the mortgage registration formalities. The bank shall go through the mortgage registration formalities at the property right office with the house ownership certificate and notarized loan contract;

6. Wait for a loan.

To apply for a mortgage loan, you need to meet the following conditions:

1. The borrower must be at least 18 years old and have full capacity for civil conduct, and the actual age plus the loan period cannot exceed 65 years old; Having a fixed residence and permanent residence in the town; Have a proper job and a stable source of income, and be able to repay the loan principal and interest on time; Personal credit information is good and there is no bad credit record.

2. The property right of the house mortgaged by the borrower is clear, which meets the conditions for listing and trading, and can enter the real estate market for trading; Mortgaged houses are not included in the urban transformation plan, and there are real estate licenses and land certificates; If the house age is less than 30 years, the sum of the house age and the loan term shall not exceed 40 years.

Legal basis: Article 402 of the Civil Code of People's Republic of China (PRC).

Where the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 is mortgaged, the mortgage registration shall be handled. The mortgage is established at the time of registration. Article 403 Where a chattel is mortgaged, the mortgage right shall be established when the mortgage contract comes into effect; Without registration, you may not be able to fight well-intentioned third parties.

How many years can a mortgage last?

Mortgage loans can last as long as 30 years. The mortgage rate of commercial housing can reach up to 70%; The mortgage rate of office buildings and shops can reach up to 60%; The mortgage rate of industrial plants can reach up to 50%; , the longest period can reach 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

How to mortgage a loan with a house

1. You need to prepare relevant procedures: loan application, user ID card, household registration book, income certificate, marital status certificate and other materials. Users of mortgage loans need to issue property rights certificates of collateral, and some users need to provide good credit records.

2. Pre-lending bank approval: to approve the bank loan application and related materials submitted by users.

3. Other procedures: users also need to go to the relevant departments to register the mortgaged property.

4. Bank loan: After the approval, the bank will inform the user of the loan amount, loan term, loan interest rate and other related information, and the bank will sign a contract with the user to credit the loan to the user's account.

5. Repayment: The user shall repay the principal and interest every month according to the time agreed in the contract.

Information: Matters needing attention in applying for mortgage loan:

① Not repaying the loan in advance in the first year: according to the provident fund loan, part of the loan will be repaid after one year, and the loan amount exceeds the repayment period of 6 months.

Don't forget to cancel the mortgage after paying off the loan. After you pay off all the loan principal and interest, you can cancel the loan agreement certificate and collateral held by the bank at the property right location of the county real estate trading center.

(3) Don't lose the loan contract and IOUs. When applying for a mortgage loan, the loan contract and iou signed by the bank and you are important legal documents. As the loan term can be up to 30 years, as a borrower, it should be properly kept.

Have legal housing conditions, a stable income, the ability to repay the principal and interest of the loan, and no bad credit record; Have a valid purchase contract; If the newly purchased house is mortgaged, it has a legal and valid purchase contract, and the purchase period does not exceed 10 year, and the down payment for purchasing the house is not less than 30%; Has purchased and obtained a mortgage loan, and has repaid the original mortgage loan for more than one year. Finally, don't forget to check with the local bank: if you can't repay the debt before the end of the loan period, don't be too hard on yourself. ICBC customers can apply to ICBC for extending the loan term. If the bank verifies that the loan principal and interest are not in arrears, ICBC will accept your application for loan extension.

How to mortgage a house loan?

The mortgage loan process is as follows. Loans are recommended by Mo Long, which are aimed at groups over the age of 25-55 who need large loans, as well as non-online lending groups, such as flowers and flowers, small degrees, etc. Students and groups need to be excluded.

Steps of housing mortgage loan:

1. Choose a lending institution: First, choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a problem.

2. Write application materials: After selecting an institution, you can submit the application with the materials required by the applying institution.

3. Preliminary review: We basically have no problems at this stage. Lenders will conduct a preliminary review of the basic materials we submitted before to see if the review meets their requirements.

4. Appraisal: general lending institutions, especially banks, need to go to designated or recognized appraisal institutions for appraisal, and appraisal fees will be charged during appraisal. The fees charged by different households are not necessarily the same, and the charging standards in different regions are also different.

5. Examination and approval of loan signing contract: The lending institution will re-examine the loan according to the previously submitted materials and evaluation report, and will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract.

6. Apply for mortgage registration and loan.

How to borrow a house mortgage loan

1, prepare identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, bank funds flow, etc.

2. Apply to the appraisal company with your identity certificate and house ownership certificate. Note here that banks have their own designated appraisal companies; The appraisal company will issue an appraisal report after accepting it.

3. Apply for a loan and sign a loan contract with the identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, bank capital flow and evaluation report of both husband and wife.

4. After accepting the application, the bank shall carefully verify the authenticity of the materials, visit the business premises on the spot, and report to the superior bank for approval after meeting the requirements.

5. With the approval of the superior bank, you can apply for mortgage to the housing management department with your ID card, loan contract and house ownership certificate. After the housing management department accepts it, you can register the mortgage and issue his right certificate.

6. Take his certificate of rights to the bank for a loan.