First, how to use the housing mortgage loan
1. Select a lending institution.
First, you need to choose a lending institution. It is safer and more reliable to choose bank loans. The bank's loan interest rate is low, but the approval time and loan requirements are more troublesome. You can also choose private lending. Although the interest rate of private lending is high, the requirements for auditing are relatively low and the processing speed is fast. You can choose a lending institution according to your actual situation.
2. Write an application and submit materials
Bring relevant materials to the bank or private institution to submit an application.
3. First trial
The lender will conduct a preliminary review of the materials provided by the applicant.
Step 4 evaluate
General banks or lending institutions will require the designated assessment agencies to conduct assessments and charge corresponding assessment fees.
5. Approve the loan and sign the contract.
The bank or lending institution will re-examine the applicant according to the previously submitted materials and evaluation report, and will communicate with the applicant about the specific loan amount, interest rate, term, repayment method, etc. After good communication, you can sign the contract.
6. Apply for mortgage registration and loan.
2. What information does the existing house mortgage need?
1, real estate mortgage contract
2. Real estate license
3. Original and photocopy of land use right certificate
4. Real estate appraisal report issued by a qualified appraisal agency.
5. Bank loan contract
6. Proof of the relationship between husband and wife and the original and photocopy of the ID cards of both parties, and the certificate issued by the civil affairs department where the household registration is located.
Bian Xiao concluded: The above is what Bian Xiao shared for you about how to use the house to mortgage the loan and what information is needed for the existing house mortgage. I believe that everyone will have a corresponding understanding after reading the above sharing. If you need more information, please continue to pay attention to Qijia. Com website, Bian Xiao will answer them one by one.