Handling procedures for the mortgage of Zuansheng secured property: (1) The mortgage handling department of Zuansheng secured property, which has registered the mortgage of the property under the customer's name, handles the mortgage contract guarantee application; (3) We provide customers with the appraisal report of their own property. (4) Assist the customer to handle the formalities of real estate insurance and the corresponding formalities of examination and approval of real estate mortgage, and the amount of real estate mortgage (5) Assist the customer to handle the mortgage registration formalities in the district and county real estate bureaus. (6) After the mortgage registration is completed, the bank can issue loans.

2. What is the handling process of CCB's housing mortgage loan?

Housing loan is a housing loan issued to the loan bank after the purchaser fills in the Application Form for Housing Mortgage Loan and provides legal documents. So, how to apply for a housing loan from China Construction Bank?

Construction Bank Housing Mortgage Loan Process:

1. loan application: understand the loan conditions, loan amount, term, interest rate repayment method, loan procedures, etc. And put forward the purpose, amount, duration and time of real estate mortgage loan.

2. Preparation of loan application materials: personal and spouse ID cards; Household registration certificates and marriage certificates of individuals and their spouses; Personal work and income certificate; Relevant certification materials of mortgaged real estate; Proof of loan use; Other relevant certification materials stipulated by the bank.

3. House inspection and appraisal: The bank will contact the designated real estate appraisal institution for house inspection and appraisal, or the lender will go to the appraisal institution designated (recognized) by Bank of Beijing for house appraisal.

4. Apply for a loan: submit all loan application materials together with the evaluation report or investigation opinions to CCB for approval. Approve the loan amount, term and other aspects according to the qualifications of the lender.

5. Mortgage registration procedures: go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract.

6. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.

3. Which loan company in Beijing has formal housing mortgage loan procedures?

The conditions for applying for real estate mortgage loans are as follows:

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have a stable occupation and income, good credit and repayment ability;

3. Other conditions stipulated by the bank;

4. Information needed to apply for real estate mortgage loan.

Information:

(1) The borrower's valid identity document.

(2) Proof of the borrower's occupation and income

(3) Proof of loan use

(4) Legal and valid real estate license

(5) A written certificate of consent to mortgage issued by the authorized disposer and other obligees.

(6) The appraisal report issued by the bank real estate appraisal agency on the mortgaged property.

(7) Other documents and materials stipulated by the bank.

Process:

First of all, you should find a suitable loan product and submit a loan application to its lending institution. After the application is approved, the auditor will conduct a preliminary review of your personal qualifications by telephone, submit materials according to the specific requirements of the loan products and sign the loan documents. After that, your loan collateral will be evaluated and approved (this cycle is relatively long, which takes about 3-4 weeks). After the approval, go through the mortgage registration formalities, and everything is completed, so you can wait for the loan.

For example, the loan is 500,000 yuan with a term of 12 months. The institutions that can handle housing mortgage loans in Beijing are: China Everbright Bank-Personal Comprehensive Consumer Loan, Bank of China-Personal Mortgage Revolving Loan, China CITIC Bank-Comprehensive Consumer Loan, Industrial and Commercial Bank of China-Personal Comprehensive Consumer Loan, Shanghai Pudong Development Bank-Personal Commercial Housing Loan, Nanjing Bank-Housing Easy Loan, Shanghai Pudong Development Bank-Personal Consumer Loan and so on. Specifically, you can use Rong 360- Beijing mortgage loan to make a number of comparisons, and choose your own satisfactory lending institution to apply.

4. What banks in Beijing do mortgage loan business?

Hello, the four major state-owned banks and commercial banks such as China Merchants Bank, Minsheng Bank and Shanghai Pudong Development Bank can handle mortgage business. The benchmark interest rate of the central bank is:

Interest rate item annual interest rate (%)

Loans within six months (including six months) 6. 10

Loans from six months to one year (including 1 year) 6.56

One to three years (including three years) loan 6.65

Loans for three to five years (including five years) 6.90

Loans for more than five years

The loan interest rate will rise, depending on the bank's policies and loan purposes, within the range of 10%-40%.