The processing flow of real estate mortgage loan is as follows:
1. The borrower submits a mortgage loan application to the bank and provides relevant certification materials required by the bank.
2. After receiving the loan application, the bank will review the materials provided by the borrower.
3. After approval, the borrower will hand over the real estate license and insurance policy to the bank as collateral.
4. The bank signs a housing mortgage loan contract with the borrower and notarizes it.
5. After notarization, the bank will directly transfer the loan to the seller's bank account specified in the contract.
6. The borrower began to repay the bank loan on schedule.
Problems needing attention in housing mortgage loan
1. The mortgaged property needs to be in the borrower's name. If the mortgaged property is owned by others, a statement that someone agrees to the mortgage loan is also required.
2. It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, purchase of large household durable consumer goods, study abroad and other consumption.
3. Divorced borrowers need to submit divorce agreements or judgments. If you are unmarried after divorce, you need to submit proof of unmarried after divorce.
4. Small property houses cannot apply for real estate mortgage loans, and real estate mortgage loans can only trade clear big property rights.
What is the process of private lending real estate mortgage loan?
Mortgage loan process of private lending real estate: 1, initiate loan application. The purpose, amount and duration of the loan proposed by the borrower to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information. 2. Prepare loan information (different materials will be provided according to different banks). Generally speaking, if it is a personal mortgage loan, you need to provide your own and your spouse's ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate and house ownership certificate. If the enterprise needs to mortgage the real estate, the materials to be provided include: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the last six months, financial statements of the previous year, financial statements of the last six months, and proof of assets. 3. look at the house. After submitting the above materials, the bank shall conduct on-the-spot investigation and evaluation of the mortgaged property according to the submitted materials. 4. Apply for a loan. Submit all loan review materials and evaluation reports or investigation opinions to the bank for approval. At this time, the loan customer must pay attention and prepare all the information to prevent the loan progress from being affected. 5. Notarization of loan contract. The borrower-level mortgagor fills in the loan contract and all relevant documents, signs them, and notarizes them by the notary. 6. Mortgage registration procedures. The bank shall go through the mortgage registration formalities in Chaquan with the house ownership certificate and notarized loan contract. 7. Bank loans. Due to the different regulations of banks, loans will be made to the accounts of cooperative merchants in the form of cash, punch card or remittance. 8. Repay on schedule. This is an important link to establish a good credit. If the loan is repaid in full and on time, it will play a positive role in promoting the borrower to borrow again and find a job in the future. 9. After the loan is settled, handle the account cancellation procedures. Note that after the loan is settled, go to the real estate bureau to go through the mortgage cancellation procedures.
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.
Mortgage process of private lending houses
The mortgage process of private lending houses is listed as follows: At present, private borrowers often use real estate as collateral when handling mortgage loans, so they generally sign private lending contracts through private lending intermediary service companies. However, when they apply for mortgage registration, they often waste a lot of time and energy because they are not clear about the specific conditions and procedures. In order to improve the efficiency of private borrowers for real estate mortgage registration, the following briefly introduces the private lending process of real estate mortgage. 1. The following conditions are required to register private lending mortgage: 1. There must be a private loan contract signed by the borrower. It is required that the parties who sign a contract must have the ability to sign a contract, and at the same time, it is required that the signing intention of the contract is true, the contract content is true and legal, the contract signing process is legal, and the contract signing is true. 2. Legal identification of the lender, mortgagor, husband and wife and borrower, such as the original ID card. 3. Both the borrower and the mortgagor should have household registration books. 4. Provide the borrower's marriage certificate, that is, the borrower's marriage certificate or the marriage registration certificate issued by the civil affairs department where the borrower is registered. 5. Provide the title certificate of the mortgaged property. It should be noted that the mortgaged property is generally required to be independent legal property with no other rights; The registered address of the mortgaged property must be consistent with the registered address of the mortgagor's household registration book. 6. Real estate appraisal report of mortgaged property. It should be noted that the report must be a real estate appraisal report on the value of the property issued by a qualified appraisal agency. Two. The process of private lending for real estate mortgage is as follows: Lenders, borrowers and mortgagors (if the mortgaged real estate is owned by * * * *, there must be * * people present) must prepare a set of documents, certificates and their copies according to the above conditions, and go to the real estate trading center in the jurisdiction to handle the real estate mortgage registration in person. The parties should first fill in the Application Form for Real Estate Registration (mortgage certificate), and then submit their certificates, documents and application forms to the handling personnel of the real estate trading center for review. If the materials provided by the parties can pass the examination and meet the conditions for mortgage registration, the original of the Private Lending Contract and the real estate ownership certificate of the mortgaged property, as well as copies of other certificates and certificates, shall be kept in the real estate trading center, and the real estate trading center shall issue a receipt for mortgage registration, indicating that the initial registration is successful. After paying all the relevant fees within the specified time, the parties concerned can obtain other warrants of real estate, namely mortgage warrants, from the real estate trading center with the receipt of mortgage registration. In this way, the registration of private lending property mortgage was completed.
Conditions and process of housing mortgage loan
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.
The cloud fast loan platform can be applied directly. After submitting the materials, review quickly, pay quickly next time, and do not delay business ~
This is the end of the introduction process of private mortgage and private mortgage. I wonder if you have found the information you need?