Mortgage loan without a house is the most common way to buy a house now. It can not only link the pressure of buying a house, but also handle the process very simply. So how do you mortgage a house with a loan? Friends who want to know may wish to have a look with Bian Xiao!

First, how to mortgage a house with a loan

1. The preferred lender needs to submit a written loan application, and provide: the lender's ID card, spouse's ID card, household registration book, proof of marital status, proof of income of the lender and spouse, proof of loan purpose and other information required by the bank.

2. Open a personal account in the loan bank, and the purchaser will deposit the down payment of the house into the account designated by the loan bank.

3. After investigation and approval by the bank, the lender needs to sign a loan contract and a power of attorney for transfer and deduction with the bank.

4 for housing transfer, insurance, notarization and mortgage registration procedures.

5. Hand over the property right certificate and hand it over to the loan bank as collateral.

6. After the above procedures are completed, the bank will transfer the loan amount to the borrower's account, and then transfer the loan from the borrower's account to the developer's account at one time according to the authorization of the Transfer and Deduction Authorization.

Two, apply for housing mortgage loans should provide materials.

1. Identity cards and household registration books of both husband and wife; Foreigners need to provide temporary residence permits and household registration books.

2. Married people need to provide a marriage certificate; Divorce requires a divorce certificate or a divorce judgment of the court; Singles need to provide proof of being single.

3. The lender's income certificate.

4. A copy of the business license stamped by the lender's unit.

5. Credit certificate of the lender: education certificate, other real estate, bank running water, large deposit certificate, etc.

Bian Xiao concluded: The above information is shared by Bian Xiao about how to obtain mortgage loans and how to apply for housing mortgage loans. I believe after reading the above sharing, you will have a corresponding understanding. For more information, please keep an eye on Qijia. Com website and Bian Xiao will answer them one by one.