In Jinan, it can be said that when it comes to mortgage houses, most buyers are concerned about what conditions and how long it takes for Jinan mortgage houses to apply for mortgage loans. Everyone attaches great importance to buying a house, know yourself and know yourself, and fight every battle. Now let me tell you some relevant information. In Jinan, it can be said that when it comes to mortgage houses, most buyers are concerned about what conditions and how long it takes for Jinan mortgage houses to apply for mortgage loans. Everyone attaches great importance to buying a house, knowing ourselves and knowing each other is invincible. Now let me tell you some relevant information.

What are the requirements for the mortgage loan of Jinan mortgage house?

1. The borrower owns the property right certificate of the house in Jinan. The real estate license cannot be mortgaged in the bank, nor can it be mortgaged in the local loan company or housing management office. It must be in the hands of the borrower to apply for a loan.

2. The house in Jinan currently has a mortgage loan line. Under normal circumstances, the mortgage loan amount of a house needs to reach 60% to 70% of the total value of the house. If it is too low, such as 30% or 40%, it is impossible to get a loan successfully.

3. In addition to the above conditions, Jinan borrowers also need to have the basic conditions for loans, with stable income and good credit. The income needs to be stable for more than half a year and 2-3 times higher than the total repayment amount. How much higher, subject to the provisions of the lending institutions. The number of overdue credits is generally not more than three times.

How long does it take for Jinan mortgage house to apply for mortgage loan?

After confirming that the property they choose has bank mortgage support, Jinan property buyers should learn about the bank's regulations on mortgage loan support for property buyers from banks or law firms designated by banks, and prepare relevant legal documents. Generally, it takes at least fifteen days from application to loan.

I. Bank loan process:

1. Submit personal loan application first;

2. After the acceptance of the bank, evaluate the mortgaged property;

3. Review the loan according to the appraised price and the information provided by the borrower;

4. After passing the examination, sign a loan contract with a law firm and handle the mortgage formalities of real estate warrants;

5. Bank loans.

2. If the information is complete, it will take at least 15 working days to send the information to the bank for review, and the loan will be completed.

Iii. Information required for the loan:

1. ID card

2. Marriage certificate

3. Proof of income (continuous issuance)

4. Household registration book

5. Property right certificate (or single copy with price)

6 guarantor's ID card, household registration book, proof of marital status, etc.

7. Information required by the bank.

About fifteen days.

The above is the information I found on the Internet about what conditions Jinan mortgage houses need to apply for mortgage loans, and how long it takes Jinan mortgage houses to apply for mortgage loans. The current purchase policy is still not clear about buying a mortgage house. Everyone should always pay attention to relevant policies, and hope that the above contents can bring help to everyone.