Many people now buy a house not for a living space, but for living enjoyment. However, if they want to obtain better living enjoyment, the grade of the house cannot be very low. In fact, the construction of most houses is now moving towards The high-end is close, especially Jinmao Mansion, but most people know about Jinmao Mansion for the first time, so they can’t figure out whether the grade is high or low. So what kind of grade is Jinmao Mansion? What are the procedures for applying for a house loan?

What is the level of Jinmao Mansion?

1. Jiangyin Chengjiang Jinmao Mansion is a new building in Chengjiang Street, Jiangyin. The developer has no information yet. The property rights of ordinary residential buildings in Chengjiang Jinmao Mansion are 70 years. The opening time and price are to be determined. This property is located in the east of Chaoyang Guannan Road, the south of Renmin East Road, the west of Yonglian Apartment and the north of Yangtze River Garden. The planned area of ??the community is 46666.67_, the construction area is 108400_, the floor area ratio is 2.00, and the greening rate is 35%.

2. The surrounding supporting facilities of Chengjiang Jinmao Mansion include: Fuyan Central Primary School, Jiangyin No. 1 Junior High School, Renmin Road Pedestrian Street, Xingcheng Ginza, and Jiangyin Yaohan Center Store with complete living supporting facilities. Chengjiang Jinmao Mansion is more worthy of investment. The project was decorated when it was handed over. Although it was simple decoration, it still saved a lot of time and effort.

What are the procedures for applying for a house loan?

1. Loan application: The borrower proposes the purpose, amount and term of the loan to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Prepare loan information: If it is a personal house mortgage loan, you need to provide the identity cards of yourself and your spouse, household register, income certificate, corresponding contract for personal consumption, marriage status certificate, and house ownership certificate.

If a company needs to mortgage real estate, the required materials include: three business certificates, account opening license, company articles of association, company capital verification report, purchase and sale contract, the last six months’ business records, and last year’s annual report. Financial statements and financial statements for the past six months and asset certificates.

3. House inspection and evaluation: After submitting the above materials, the bank will conduct on-site inspection and evaluation of the mortgaged property based on the submitted materials. Each link is an important part of the real estate mortgage loan process. This link directly determines the amount of your home mortgage loan. Generally speaking, there will be a certain difference between this evaluation and the market price because the evaluation agency will consider multiple factors. factor.

4. Apply for loan approval: Submit all loan review materials and evaluation reports or appraisal opinions to the bank for approval. At this time, loan customers must pay attention to prepare all the information. If there is any missing information, it will affect the loan progress.

5. Notarization of the loan contract: The borrower-level mortgagor fills out the loan contract and all relevant documents, signs and stamps, and the notarization is notarized.

Understand the level of Jinmao Mansion? What are the problems with house loan procedures? The grade must be very good. You can rest assured when buying a house. The descriptions in the article are very comprehensive. If you read more, you will know. The various benefits are all in line with the needs of modern people. , and when applying for a loan, there are many details and precautions, so you don’t need too little time to understand it, and you must be familiar with every detail.