Xi' an mortgage house credit loan generally requires a monthly payment of more than half a year, and you can apply for loans from several banks at the same time. The age requirement for the lender is 18 to 65 years old, with interest of 5% to 9%, and the maximum loan period is 3 years, with equal repayment of principal and interest; Generally, the monthly payment of 4 is simple, and the next payment is fast. The next payment on the earliest day does not need to be known by the spouse or signed by the spouse.

Second, how is the general mortgage house displayed in the credit report?

Buying a house with a loan will not show the property. A general personal credit report includes personal information such as personal basic information, loan records, communication, water, electricity, gas, tax payment, etc., objections raised by inquirers to banking institutions when they have objections to personal credit reports, records of personal inquiries and relevant information inquired by institutions.

Third, how to make a credit loan for the mortgaged house?

Mortgage housing credit loan is a kind of private loan, similar to that, only a copy of real estate license and work certificate are needed to lend money, which generally does not exceed the down payment of the house.

Personal housing mortgage loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied new housing, commonly known as "personal housing mortgage loan". The amount of personal housing mortgage loan issued by the bank shall not be higher than 80% of the value of the house to be purchased or the actual total cost of house purchase assessed by the real estate appraisal agency (whichever is lower).

Fourth, how to mortgage the house?

We know that house prices have risen sharply now, and many people have to choose loans to buy a house. Then you must know some relevant procedures before handling it. The following small series will introduce you to how to mortgage a house.

How to mortgage a house with a loan

1. The customer should prepare materials: proof of ownership of collateral such as real estate license; Identity cards, household registration books and proof of marital status of the applicant and spouse; Proof of income of the applicant and spouse; Relevant certificates on the purpose of the loan; Other relevant information required by the bank. Fill in the loan application form and submit the application to the lending institution;

2. The appraisal institution evaluates the real estate and gives the appraisal value;

3. The bank judges the lender's repayment ability/credit/current market value of the house by reviewing the data. , and decide whether the lender can operate the loan; It is also necessary to review whether the house meets the loan conditions. If the lender passes the loan review and goes to the Housing Authority for mortgage registration, the bank will lend money.

How to calculate the mortgage interest of the house?

1. Bank loans to buy a house, the calculation of loan interest mainly depends on the down payment amount, repayment method, mortgage learning, bank interest rate, etc. As the national policy on the real estate market is changing, both the bank interest rate and the down payment amount may change. Then, when calculating the interest of buying a house with a bank loan, it should be calculated according to the new data.

2. Because the calculation of the interest of bank loans for house purchase is professional and involves some financial calculation formulas, many websites provide interest calculators for house purchase loans in order to facilitate the majority of buyers to calculate the interest of house purchase loans. Property buyers only need to fill in the specific data in the corresponding places, and then click "Calculate", so they can easily calculate the interest on the bank loan to buy a house.

Summary: That's all about how to get a mortgage loan. Be sure to follow the steps and pay special attention to some details. I hope the above introduction will be helpful to everyone.