When the bank handles the mortgage loan, the bank will ask an appraisal company to go to the lender's home to evaluate the value of the house. The average appraisal company will earn three thousandths of the total appraisal amount. For example, a house with a price of 1 10,000 yuan is 3,000 yuan, and the price charged by each guarantee company is different, but it is similar.

The process of handling mortgage loan is as follows:

1. Submit the lender's information, such as ID card, household registration book, marriage certificate, income certificate, bank account, property certificate and land certificate (for married people, provide the information of both husband and wife);

2. After the above information is submitted to the bank, the bank will inquire about the credit information of the lender and family;

3. There is no problem with credit reporting. The bank will call the lender to review and evaluate the house price;

4. Sign a loan contract with the bank after approval;

5. mortgage his rights;

6. Bank loans;

7. Just repay on time;

2. What is the pre-mortgage fee?

The mortgage registration fee is charged by the property right registration center when handling mortgage loans, and each set of 80 yuan. According to the regulations, if you buy an auction house, there are two links in the whole purchase process that generate mortgage registration fees:

One is the 80 yuan/piece generated when the buyer applies to the loan bank for pre-registration of pre-purchased commercial housing mortgage after signing the pre-sale contract of commercial housing.

3. What is the mortgage registration fee?

The mortgage registration fee charged by the Housing Authority is fixed, and each house is 80 yuan. Non-residential every piece of 550 yuan. The mortgage registration fees charged by banks are different. The mortgage registration fee charged by the bank is partly paid to the Housing Authority and partly the bank agency fee. In the latter case, the charging standards of banks are different. For example, in Hubei, CCB charges 200 yuan/mortgage registration fee per household, while ICBC charges it according to the registered house price standard, while 300 yuan charges less than 1 10,000. Materials to be prepared for mortgage registration: 1, mortgage registration application; 2. Applicant's identity certificate: (1) The natural person provides ID card, military officer's card, soldier's card, passport, etc. (2) Legal persons and other organizations provide organization code certificate, business license, ID card of legal representative, power of attorney of legal person, ID card of agent, etc. 3. Real estate license; 4. Mortgage contract; 5. Principal creditor's rights contract; 6. Other necessary information: (1) land use (lease) certificate; (2) If the mortgagor is a state-owned enterprise or institution, it shall comply with the relevant provisions on the management of state-owned assets; (3) If the mortgagor is a collective enterprise, the documents agreed by the workers' (representatives') general assembly and the competent unit shall be submitted for the record; (4) If the mortgagor is a company legal person, it shall be submitted to the board of directors or the shareholders' (shareholders') meeting for approval; 5] If the mortgagor is a natural person, the married person shall submit the marriage certificate or other marriage documents and the spouse's ID card, and the unmarried person shall submit the single certificate; (six) entrusted, it shall submit the certificate of entrustment and the identity certificate of the trustee; (7) If the mortgagor is a minor or a person with no (limited) capacity for civil conduct, he shall submit the certificate of guardianship qualification and the identity certificate of the guardian, and the guardian shall submit a letter of guarantee for the interests of the minor; (eight) other information that the registration department deems necessary. How long does it take to register the property mortgage? In the real estate mortgage registration, the processing time is: 1, and it takes 30 working days to register the house ownership within the state-owned land; 2. It takes 60 working days to register the ownership of houses within the scope of collective land; 3. Mortgage, easement registration, advance notice registration and correction registration need 10 working days; 4. It takes 1 working day to register the objection. According to the fourth paragraph of Article 3 of the Measures for the Administration of Urban Real Estate Mortgage, "the mortgage of pre-purchased commercial housing loans as mentioned in these Measures refers to the behavior that after the purchaser pays the down payment, the loan bank pays the remaining house price on behalf of it and mortgages the purchased commercial housing to the loan bank as a guarantee for repayment of the loan." That is to say, in the case of not handling the ownership certificate of the house, the pre-registration of the mortgage of the pre-purchased commercial house can only be handled by virtue of the commercial house sales contract, which belongs to the mortgage loan, and the house cannot be registered as a secondary mortgage in the case of mortgage loan.

4. Is there a charge for mortgage?

Legal analysis: there is a charge for real estate mortgage registration, and the mortgage registration fee is the mortgage registration fee, that is, the mortgage lender pays a certain service fee when he goes to live in the Housing Authority.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

According to the law, the ownership of resources can be unregistered.

Article 214 The establishment, alteration, transfer and extinction of the real right of immovable property, which should be registered according to law, shall take effect when it is recorded in the register of immovable property.

Article 215 A contract concluded between the parties on the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective upon the establishment of the contract, unless it is otherwise provided by law or agreed by the parties. The effect of real right has not been dealt with.