Hello, detailed process of housing mortgage loan in Hangzhou:

1. Apply for a loan

The purpose, amount and duration of the borrower's application for a loan from a financial institution. If the loan application meets the loan scope of this financial institution, it needs to be prepared.

2. Submit loan information

But not limited to the following contents (depending on the specific provisions of each bank's products), running water, work certificate,

If the enterprise needs to mortgage the real estate, the materials, account opening license, articles of association, enterprise capital verification report, annual purchase and sale contract financial statements and nearly half of them are provided by different banks.

This link is real estate mortgage loan, because many customers are in urgent need of money when they borrow money, which will save a lot of trouble if they can.

3. House evaluation

After the materials are submitted completely, the bank will consider that all mortgage links are real estate mortgages, which directly determines that the market price of your mortgage will be different, because the evaluation agency will consider more.

Step 4 apply for a loan

The housing appraisal company will submit an appraisal report or opinion to the bank.

5. Sign a loan contract

The borrower and the lending institution shall sign and seal the loan contract and all relevant documents, which shall be notarized by a notary.

6. Mortgage registration

The bank goes to the real estate with the house ownership certificate and the notarized loan contract.

7. Bank loans

Due to different bank regulations, loans will be made in the form of current accounts.

8. Return on time

This point can not be ignored, whether to establish a good credit to repay in full, or to help borrowers borrow again and find a job in the future.

9. After the loan is settled, go through the mortgage registration cancellation procedures.

Note: After the loan is settled, the mortgage cancellation formalities shall be handled at the Real Estate Bureau. Hangzhou real estate license mortgage loan

1. For details of the loan, please refer to the local lending institution in Hangzhou. You can directly click on the homepage of this website and contact the homepage loan consultant for consultation;

2. After knowing other details, prepare the materials needed for the loan;

3. Apply for a loan from a lending institution;

4. The application is submitted successfully, and both parties sign a loan agreement;

5. The borrower shall go through the mortgage registration formalities at Hangzhou Housing Authority;

6. After the agreement is signed, Hangzhou Lending Agency will issue loans;

7. The borrower repays the loan on schedule.

In addition, after the borrower successfully obtains the loan, he must also remember to repay it in full and on time every month, so as not to affect his personal credit record due to overdue, otherwise it will be very difficult to obtain the loan in the future.

The above content is for reference only, I hope it can help you, and I wish you a happy purchase!

Second, the real estate license mortgage loan process

Now loans are not as shocking as before, and loans have evolved into a means of raising funds. Loans can not only bring benefits to banks or other guarantee companies or institutions and individuals, but also enable lenders to successfully complete what they want to do and win certain benefits for them. So now loans are very popular among some businessmen or individuals, and bank loans have become an indispensable way for their companies to operate normally. So a popular loan method now is to mortgage all your own properties, but what is the specific operation process? Many people have doubts about this. This paper briefly describes how to use real estate to handle loans and introduces its specific operation process.

First of all, when you apply for a mortgage loan in a bank, you need to prepare relevant materials, generally including the original and photocopy of the lender's ID card and household registration book. Generally, you must also show the proof documents of the lender's income and work, and basically have a general concept and introduction. If the lender is married, he should also bring the original and photocopy of the marriage certificate. The most important thing is that real estate license and other materials that can clarify the ownership of the house must be available.

Secondly, the bank evaluates the value of the property mortgaged by the lender. Banks charge a certain appraisal fee for housing appraisal, generally around 400 yuan. Of course, the specific fees vary from bank to bank. After the bank evaluates the value of the house and thinks it can be compared with the money borrowed by the lender, then on the basis of the lender's complete materials, the bank can give instructions to agree or reject the lender's loan application.

Thirdly, after the bank agrees to the lender's loan application, the bank will register the lender's application online and go through the relevant printing and stamping procedures. This process usually takes two or three days.

Then after the bank completes the registration, the relevant personnel of the bank will go to the construction Committee where the house is located with the lender to go through the relevant formalities. Generally speaking, you only need to go through the mortgage registration procedures.

Finally, after completing the above-mentioned relevant procedures, the bank will generally transfer the money you requested for the loan to your account or release it within three days.

Generally, going to the bank to apply for a real estate mortgage loan is these processes. Understanding these processes can help you reduce unnecessary troubles and troubles and help you apply for a loan as soon as possible. I hope this article can help you.

Third, how to handle the mortgage loan of real estate license?

Personal housing mortgage loan needs to provide the following information: 1, real estate license, self-built house land use certificate. 2. Husband and wife ID cards (front and back), household registration book (one for the first page, one for the first page and one for myself) and marriage certificate. 3. proof of income. If self-employed, provide business license, tax registration certificate, tax payment certificate for the last three months, and affix the official seal. 4. Copy of the borrower's ICBC card. (Provide details of bank transactions with more businesses). 5. Provide proof of loan use. (If the loan is used for decoration to provide a simple renovation contract, if it is used for business to provide a house purchase contract). 6. Evaluation report. 7. Both husband and wife go to the bank to sign a loan contract. All handwritten information provided must be filled in with a black signature pen or pen. It is also very important that the lender must have a good credit record in the bank, otherwise your perfect procedures will be useless.