The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.
Conditions and process of housing mortgage loan
Housing mortgage loan handling process
1. Apply for a loan: the purpose, amount and duration of the borrower's application for a loan from a financial institution.
2. Submit loan information: borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.
3. Appraisal of the house: After the submitted materials are complete, the bank will conduct on-the-spot investigation and appraisal according to the mortgaged house.
Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your house mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.
4. Apply for a loan: The housing appraisal company submits the appraisal report or opinion to the bank for approval.
5. Signing a loan contract: The borrower signs a loan contract and all relevant documents with the lending institution, signs them and prints them with their fingerprints, which will be notarized by a notary.
6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures at the real estate office with the house ownership certificate and notarized loan contract.
7. Bank lending: Due to different bank regulations, loans will be made to the cooperative merchant's account in the form of cash, punch card or remittance.
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Housing mortgage loan process
The mortgage loan process is as follows: 1. Submit and inquire about the house property right certificate; 2. evaluation; 3. Determine the loan amount; 4. Sign loan contracts, mortgage contracts and existing home mortgage service contracts; 5. Bank approval; 6. Property right certificate for mortgage registration; 7. Property right certificate and mortgage contract shall be submitted to the bank for filing; 8. Banks issue loans; 9. The borrower repays the loan on a monthly basis. Legal basis: Article 36 of the Commercial Bank Law. When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Real estate mortgage loan procedure
The processing flow of real estate mortgage loan is as follows:
1. The borrower submits a mortgage loan application to the bank and provides relevant certification materials required by the bank.
2. After receiving the loan application, the bank will review the materials provided by the borrower.
3. After approval, the borrower will hand over the real estate license and insurance policy to the bank as collateral.
4. The bank signs a housing mortgage loan contract with the borrower and notarizes it.
5. After notarization, the bank will directly transfer the loan to the seller's bank account specified in the contract.
6. The borrower began to repay the bank loan on schedule.
Problems needing attention in housing mortgage loan
1. The mortgaged property needs to be in the borrower's name. If the mortgaged property is owned by others, a statement that someone agrees to the mortgage loan is also required.
2. It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, purchase of large household durable consumer goods, study abroad and other consumption.
3. Divorced borrowers need to submit divorce agreements or judgments. If you are unmarried after divorce, you need to submit proof of unmarried after divorce.
4. Small property houses cannot apply for real estate mortgage loans, and real estate mortgage loans can only trade clear big property rights.