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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Handling process of mortgage loan for real estate license

The mortgage loan process of real estate license is as follows: 1. Prepare all materials, including husband and wife's ID cards, household registration books, marriage certificates, real estate licenses, house purchase contracts or bank statements of personal accounts invoiced in the last six months; 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials; 3, the borrower will mortgage property ownership certificate and insurance policy or securities to the bank custody; 4. The guarantors of both borrowers and borrowers sign the Housing Mortgage Loan Contract and notarize it; 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

Mortgage loan process of real estate license

Loan process of real estate license: 1. The actual age of a natural person with the conditions and full capacity for civil conduct of the lender at the maturity date of the loan is generally not more than 65 years old; Having permanent residence and permanent residence in this Municipality; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; Willing and able to provide real estate mortgage approved by the lender; * * * The property has been recognized for its loan and guarantee behavior, and is willing to bear relevant legal responsibilities. Two, the conditions of mortgage of real estate, housing property rights should be clear, in line with the provisions of the state listing conditions, and can enter the real estate market transactions, no other mortgage; , the age of the house (calculated from the date of completion of the house), and the loan period does not exceed 40 years; The mortgaged house is not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by the real estate department and land management department; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it. Third, the mortgage loan process of real estate license, with complete information, including husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or invoice, bank's running statement for the last six months, bank's loan application to the borrower, house purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

Flow chart of housing mortgage loan

The specific 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 loan amount initially reserved by the lending institution;

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. It is recommended to choose Morlon for mortgage loan. If you don't have a mortgage, you can't get it for the fastest day, or you can handle it in an apartment store. No mortgage for the first two hours is worth choosing.

Submit the required documents. Evaluate the house. Evaluate according to the location, floor, area and orientation of the collateral. After the house evaluation, it is necessary to go through the formalities of real estate insurance and corresponding loan approval, and then issue a loan contract and a mortgage contract with the approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district or county real estate bureau where the real estate is located for mortgage registration, and the expenses of this institution shall be borne by the borrower. Borrow money. After the mortgage registration, the bank can issue the loan to the borrower's personal savings account.

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Housing mortgage loan process?

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.

So much for the introduction of mortgage notarization flow chart.