Policies vary from place to place. The real estate license for buying a house by loan must be mortgaged in your loan bank. After 4 months, you can get his right certificate, which will be stamped (mortgaged)! A complete property right certificate of a house is composed of property right certificate and land certificate, but now there are many places where the two certificates have been combined into one, only one property right certificate! You can ask the developer, if you have the land certificate, you should also be in the bank, and you can go to the bank to get it back four months after the mortgage is completed!

Second, which bank can handle housing mortgage loans?

Hello, as long as you meet the conditions of housing mortgage loan, ordinary banks can apply.

Housing mortgage loan requires the service life of the house to be within 20 years; Must have strong liquidity. The amount of mortgage loan is 80% of the appraised value of the house. The longest loan period for new house loans is not more than 30 years, and that for second-hand houses is not more than 20 years. The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. "Borrower's age" is generally not more than 70 years old.

Basic conditions for applying for a loan:

1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

Loan amount and term:

1, and the highest mortgage rate of commercial housing can reach 80%;

2. The mortgage rate of office buildings and shops can reach up to 60%;

3. The mortgage rate of industrial plants can reach up to 50%;

4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

Operation process of real estate mortgage registration:

Time limit for real estate mortgage loan registration: 7 working days

The following documents are required:

1, house ownership certificate;

2. Evaluation report;

3. Real estate mortgage bank loan contract;

4. Mortgagor's ID card (leave an ID card that is verified with the original);

5. Other relevant materials.

Handling process: acceptance of registration 1 day, 2 days of preliminary examination, 3 days of review 1 day, 3 days of approval, replacement of certificate 1 day, payment 1 day, and filing.

3. Which bank is Changzhou real estate mortgage loan looking for?

1. China Construction Bank: The mortgage loan amount of China Construction Bank is related to the applicant's house mortgage. Commercial housing can reach up to 70% of the real estate appraisal price, and the loan amount of CCB mortgage loan is generally controlled within 6,543,800 yuan.

2. Industrial and Commercial Bank of China: ICBC's mortgage loan can be borrowed or repaid, with a maximum loan amount of 2 million yuan and a general loan interest rate of 0.60%.

3. Agricultural Bank: The interest rate of housing mortgage loan of Agricultural Bank mostly fluctuates directly between 0.5 and 2 percentage points, and the maximum loan amount is about 3 million yuan.

4. Which bank is better for Changzhou house mortgage loan?

There are too many lending institutions and banks that handle real estate mortgage loans, which one to choose has become a headache for many customers, because it is very important to consider security, interest rate, amount and loan. The speed difference between different banks and institutions may be about 1 month. So, which bank is good for real estate mortgage loan? Which bank has the lowest mortgage interest rate? Compared with different application conditions, the conditions for banks to apply for real estate mortgage loans are different, such as credit status, personal income, work unit, repayment ability and so on.

Applying for real estate mortgage loan in a loan company mainly depends on whether the real estate value is high or not and whether it has liquidity. Credit status is good or bad. Borrowers with debts can generally borrow from banks or loan companies as long as they can provide qualified real estate mortgages. Compared with credit loans, the risk of real estate mortgage loans is lower because there is real estate as a guarantee for bank loans. However, at present, the interest rates of mortgage products of various banks are different, and the loan interest rates of the same bank in different regions will be different. At present, the mortgage interest rates of banks are all floating on the basis of the benchmark interest rate. 20 17 The benchmark annual interest rate of banks is within one year (including one year), 4.35%, 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it Compared with the approval speed, there are many procedures in the real estate mortgage bank, and the approval time will be longer. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan. Generally speaking, the amount of mortgage bank loan is related to the assessed value of the house, and the highest is about 70%. Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836