Housing mortgage loan:
Mortgage loan refers to an individual who pays a certain percentage of effective down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is used as collateral to apply for a certain loan from the cooperative organization.
Specific application conditions for housing mortgage loan:
Generally speaking: it is necessary to provide a valid identity card and proof of legal marital status; There is also a good credit record and willingness to repay; At the same time, it needs a stable income; Commercial housing sales contract or letter of intent for the purchased house; Proof of the ability to pay the down payment of the purchased house; As well as personal settlement accounts opened in banks and valid and legal guarantees. If the above conditions are met, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.
Specific information required for mortgage loan:
1. One original and one copy of the applicant's and spouse's ID card and household registration book.
2. One original of the house purchase agreement.
One original and one copy of the advance payment receipt for the house price of 3.30% or above.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax return, income certificate issued by the unit and bank deposit certificate.
5. The developer's collection account number is 1 copy.
Housing mortgage loan process:
1. Signing the house transaction contract: After signing the house transaction contract with the developer, the buyer shall go through the registration formalities of the house transaction contract;
2. Apply for a mortgage loan after paying the down payment: the purchaser needs to prepare relevant materials to apply for a mortgage loan after paying the down payment;
3. The bank examines the loan and passes the examination: the loan bank examines the relevant materials submitted by the buyers and notarized by the notary office, and approves those that are qualified;
4. Signing mortgage loan contracts and guarantee contracts: banks sign mortgage loan contracts with buyers, and banks sign guarantee contracts with developers;
5. Notarization of mortgage contract: After the mortgage loan contract is signed, the buyer shall go through relevant notarization procedures at the notary office recognized by the loan bank;
6. When the purchaser handles the insurance related to commercial housing, the original insurance policy will be taken over by the loan bank during the mortgage period;
7. Lending banks issue loans to property buyers, which are generally directly remitted to the sales account opened by the developer in the lending bank or transferred to the deposit account opened by the borrower in the lending bank according to the loan contract or guarantee contract;
8. The borrower opens a repayment account in the loan bank and repays the interest to the account on schedule until all the loan principal and interest are settled;
9. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the real estate property certificate, the original insurance policy and other mortgage registration documents, and goes through the mortgage registration and cancellation procedures at the original mortgage registration department.
The above is the answer about whether the mortgaged house can be loaned. I hope it can help you.