Housing mortgage loan handling process

1, the purpose, amount and life of the loan proposed by the borrower when applying for the loan.

2. Prepare loan materials

3. Appraisal of house-viewing: The relevant institutions conduct on-the-spot investigation, appraisal (survey) and valuation of mortgaged houses.

4. Submit all loan application materials together with the evaluation report or survey and evaluation opinions to the bank for approval.

5. Notarization of loan contract

6. Mortgage registration procedures

7. Bank loans.

What does the collateral include and what is the assessed value?

Collateral includes: houses, apartments, office buildings, villas and shops.

Of course, what we are most concerned about is the assessed value of collateral.

Houses and villas can be valued at about 7-90%.

Apartments, office buildings and shops can be valued at about 50%.

If the credit is good, the income is stable and the source of repayment is clear, the amount will be higher.

At present, the interest of mortgage loan is 3.3%-4.25% per annum, with equal principal and interest, with interest first and principal later. The maximum term of a single loan is 654.38+million years, and customers can choose the loan term according to their actual situation.

Application conditions:

1, individuals or business owners can.

2. The property is in Chongqing.

3. At least 18 years old, but not more than 70 years old.

4. Good credit information

5. There are repayment sources.

The above is the process and interest of bank mortgage loan.

One is private mortgage loan, which is quite simple. As long as the credit information is good and the source of repayment is clear, the next repayment can be made on the same day. The interest amount is 300,000-30,000,000 yuan, which can be interviewed at a low interest rate, with a term of 1 month-1 year, with interest before capital, and flexible operation.

In addition, we also handle various bank loans, such as secondary mortgage, decoration loan, personal credit loan, enterprise credit loans, bridge crossing, mortgage loan and other products.

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What are the loan processes of mortgage banks?

Now more people will mortgage their houses to banks and apply for loans to facilitate working capital. If you are not particularly familiar with the loan process, you might as well listen to Bian Xiao's introduction, so that you can make a good plan as soon as possible. What is the process of bank mortgage loan? What information do I need to prepare to borrow money?

1. What are the procedures for mortgage banks to handle loans?

1. As a lender, first of all, you need to apply for a loan from the bank and fill out the application form, which should indicate the purpose and time of the loan. Relevant information also needs to be submitted for staff review.

2. The bank will review the information next. You also need to submit your identity card to the bank, including running bills, credit problems and real estate licenses. The bank will arrange staff to evaluate the house and give a specific evaluation report.

3. After the evaluation report comes down, it will be sent directly to the bank for approval. Next, if the loan is allowed and meets the requirements, the bank will sign a loan contract with you, which will also be signed and sealed, and notarized by the relevant notary office.

4. You should go through the mortgage registration formalities with the housing property certificate, loan contract and notarial certificate. Then you will wait for the bank to lend money, and then you need to repay it on time.

Second, what materials should be prepared for real estate mortgage?

1. First, you need your own valid ID card and household registration book. In addition, you'd better prepare more copies in case of emergency.

2. If you are married, you need to prepare a marriage certificate. Of course, if you are unmarried, you need to go to the Civil Affairs Bureau to issue an unmarried certificate. You need to prepare a divorce certificate if you divorce. As a spouse, you also need to prepare your personal ID card, household registration book and your own marriage certificate.

You also need to go to the bank to print out your income certificate and the property right certificate of the house.

4. If you need a guarantee, you need the guarantor to provide your own ID card, household registration book, or marriage certificate, unmarried certificate, etc.

Bian Xiao concluded: If you have a house and want to mortgage it to the bank, you need to go through a series of loan procedures. Before that, you need to prepare relevant information to cooperate with the bank's audit work. After passing, you can successfully mortgage.

Can the house be mortgaged to the bank for a loan?

If a sum of money is urgently needed, many people want to mortgage their houses to banks and apply for loans from them. Can the house be mortgaged to the bank for a loan? Today, Bian Xiao will introduce you to related issues.

1. Can the house be mortgaged to a bank loan?

1, the house can be mortgaged to the bank and then apply for a loan from the bank. The main content is to explain the purpose of the loan and the amount needed, including the time of the loan and so on.

Next, you need to submit the loan information to the bank. If an individual applies to a bank, he/she needs to provide his/her ID card and running bill, including proof of work. At the same time, the bank will check your credit report, including the property certificate of this house, and you need to take it out as collateral.

The bank will evaluate the price of this house and approve your personal loan qualification.

If there is no problem, the bank will sign a loan contract with you, and it will be notarized by a notary. After that, you need to go to the real estate bureau for mortgage registration, and finally the bank will transfer the funds to the relevant account.

Second, how much can the house be mortgaged to the bank?

1. How much can a house finally be loaned? This is a problem that many people care about. Generally, you can borrow 70% of the house price, which is the highest. If your personal credit problem is not particularly good or your income is limited, your loan funds will be limited.

2. For example, your house value is 1 10,000, your income is relatively stable, you have repayment ability, your credit report in the bank is good, and you have no debt. Under this precondition, a maximum loan of 700,000 yuan can be obtained.

Third, what materials need to be prepared?

1. First of all, you need your personal identification, your ID card and your household registration book. If you are married, you need to provide a marriage certificate or the identification of the other spouse.

At the same time, you should also provide your income certificate. If you work in a company, you need to issue proof of income or assets under your name.

3. At the same time, you also need to provide real estate license or purchase agreement.

Bian Xiao concluded: If you want to mortgage your house to the bank to apply for a loan, you need to go through a series of procedures to meet the conditions of the loan, so you need to consult the bank before.

How to borrow money to buy a house, bank mortgage?

With the development of the real estate market, house prices are still rising, and many owners will mortgage their houses with bank loans to obtain activity funds and then use them for housing investment. How to get a mortgage loan? Then let's take a look at the following!

First, apply for a mortgage loan in the bank, fill in the form and submit the required materials. Then the staff will make a preliminary inspection, and if there is no problem, they will go to the real estate appraisal to make a report. Then the bank will carry out the approval process according to the materials and reports, and sign the loan contract and notarize it after passing. Finally, apply to the real estate bureau for mortgage, and loan to the applicant after success.

The length of mortgage loan is closely related to personal qualifications. If the applicant's credit information is good, it shows that he has good repayment ability. Generally, he applies for a loan, and the approval is easy to pass. In addition, the mortgaged property must be uncontroversial, and there has been no mortgage loan before. If an individual has other loans, he must pay them off before applying for a mortgage.

The following properties do not meet the conditions of bank mortgage loans: first, welfare houses, such as affordable housing; Second, there is no property right certificate. At the same time, according to different types of real estate, the proportion of mortgages obtained by applicants is also different. Among them, 70% are ordinary houses, 50% are commercial houses and 40% are industrial houses.

In addition, if the mortgaged property is a new house, the longest loan period is 30 years, and if it is a second-hand house, the loan period is reduced by 10 year. Therefore, when determining the loan term, we should combine our own economic situation to avoid increasing our own pressure. However, different loan years use different interest rates, so the interest generated is also different. Before applying for a mortgage loan, it is best to know the relevant procedures and conditions from the bank in advance, so that the loan will be smoother.

I hope the above answers are helpful to you.