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 apply for a mortgage loan

Mortgage with a house, usually the whole process has nine steps, as follows:

1. Apply to the bank

The borrower applies to the bank for a housing loan, explaining the purpose, amount and mortgaged house of the loan. If the application meets the requirements of the bank, the bank loan specialist will tell the borrower the specific procedures and what materials need to be prepared.

2. Submit loan information

Submit the loan application materials according to the requirements of the bank, usually including the borrower's ID card, bank account, personal credit report, homeowner's real estate certificate, etc.

3. Actual evaluation of house value.

After the bank lends the information, the bank will make on-the-spot investigation and evaluate the value. According to the location of the house and the surrounding environment, give a reference price and how much the house is worth.

4. Lending approval

The bank will submit the housing appraisal report and the previous personal application materials to the bank for loan approval, and give approval on whether and how much loans can be made according to the housing value and personal repayment ability.

5. Sign a loan contract

After the first trial of the loan is passed, the bank informs the borrower to sign a formal loan contract, which needs notarization.

6. Go through the mortgage registration formalities

Go to the real estate center for mortgage registration with different property rights and loan contracts.

7. Bank loans

After the above procedures are completed, the bank will transfer the loan to the borrower's personal bank card.

8. Repay on time

According to the loan contract, the repayment shall be made on time and shall not be overdue.

9. Go through the mortgage cancellation procedures.

After the house loan is paid off, the bank should issue a settlement certificate and go through the mortgage cancellation formalities at the real estate center.

The above nine steps are the whole process of mortgage loan. Under normal circumstances, it is handled in accordance with the above process, and individual banks will have small differences, but they are all similar.

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.

How to mortgage a loan with a house

1. You need to prepare relevant procedures: loan application, user ID card, household registration book, income certificate, marital status certificate and other materials. Users of mortgage loans need to issue property rights certificates of collateral, and some users need to provide good credit records.

2. Pre-lending bank approval: to approve the bank loan application and related materials submitted by users.

3. Other procedures: users also need to go to the relevant departments to register the mortgaged property.

4. Bank loan: After the approval, the bank will inform the user of the loan amount, loan term, loan interest rate and other related information, and the bank will sign a contract with the user to credit the loan to the user's account.

5. Repayment: The user shall repay the principal and interest every month according to the time agreed in the contract.

Information: Matters needing attention in applying for mortgage loan:

① Not repaying the loan in advance in the first year: according to the provident fund loan, part of the loan will be repaid after one year, and the loan amount exceeds the repayment period of 6 months.

Don't forget to cancel the mortgage after paying off the loan. After you pay off all the loan principal and interest, you can cancel the loan agreement certificate and collateral held by the bank at the property right location of the county real estate trading center.

(3) Don't lose the loan contract and IOUs. When applying for a mortgage loan, the loan contract and iou signed by the bank and you are important legal documents. As the loan term can be up to 30 years, as a borrower, it should be properly kept.

Have legal housing conditions, a stable income, the ability to repay the principal and interest of the loan, and no bad credit record; Have a valid purchase contract; If the newly purchased house is mortgaged, it has a legal and valid purchase contract, and the purchase period does not exceed 10 year, and the down payment for the purchase is not less than 30%; Has purchased and obtained a mortgage loan, and has repaid the original mortgage loan for more than one year. Finally, don't forget to check with the local bank: if you can't repay the debt before the end of the loan period, don't be too hard on yourself. ICBC customers can apply to ICBC for extending the loan term. If the bank verifies that the loan principal and interest are not in arrears, ICBC will accept your application for loan extension.

How to apply for a mortgage loan at the bank?

There will always be times when money is tight and turnover is difficult in life, so many people will think of taking their own property as collateral for loans to alleviate their financial difficulties. So, how to go to the bank to apply for a mortgage loan?

Personal property mortgage loan process

1. Apply for a loan from the bank, stating the purpose, amount and term of the loan;

2. Applicants need to prepare their own and their spouses' ID cards, household registration books, proof of income, corresponding contracts for personal consumption purposes, proof of marital status, real estate licenses, ownership and spouse's ID cards, household registration books, proof of marital status and other materials and equipment;

3. The bank accepts the relevant loan application, and the appraisal institution conducts on-the-spot investigation to evaluate the value of the mortgaged property;

4. Submit all the preparation materials and evaluation reports to the bank for approval, and fill in the loan application;

5. The loan applicant fills in the loan contract and related documents, signs and prints them, and submits them to the relevant notary office for notarization;

6. The bank shall go through the mortgage registration formalities at the property right office with the house ownership certificate and notarized loan contract;

7. The loan applicant provides a repayment account or re-opens an account in the bank.

Conditions for banks to handle mortgage loans

1. Applicant's age 18-65, with legal status and full capacity for civil conduct;

2. Have a stable job and income, have the ability to repay the principal and interest of the loan, have no bad credit record, and provide corresponding bank flow;

3. Have a legal house ownership certificate;

4. For a new house with a loan, it is necessary to prepare a purchase contract, the age of the house is 10 year, and the down payment of not less than 30% of the total house price has been paid for more than one year, and the loan balance is less than 60% of the house value;

5. Provide effective guarantee recognized by the lending bank.

Since the property loaned by the bank cannot be a small property house or a self-built house, the property right of the commercial house that needs to be mortgaged must be clear. If there is a * * * owner, it must be signed by the * * * owner, and the loan amount must be lower than the residual value of the property. If it is higher than the residual value, the loan will not be processed.

How to borrow a house mortgage loan

1, go directly to the bank. Meet the following conditions:

A. The house needs to meet the requirements of the bank: under normal circumstances, the bank accepts the real estate with clear property rights within 20 years and can be listed and traded.

B. Credit compliance: The account manager of this bank will help you check your credit status. If the credit is too bad, the bank will not accept it.

C. the repayment ability of the homeowner: you have collateral, but you also have the repayment ability. That is, to have a stable income. For example, if you make a loan with a term of 10 years, the monthly repayment is about 12000. You should have enough ability to repay the monthly payment and ensure your own life.

2. Entrust the guarantee company to handle it. The process and conditions are basically the same as those of banks, except that the procedures are run by guarantee companies. Guarantee companies have long-term cooperation with banks, so they have more advantages than individuals in terms of interest rates, processing speed and lending. Of course, customers have to bear a certain service fee.

The basic process is as follows: signing a loan contract-housing evaluation-loan approval-mortgage registration of the Construction Committee-lending.

Time: generally, it takes about 1 month.

Conditions for applying for real estate mortgage loan:

1. The applicant is over 18 years old.

2. Have a stable job and income and good personal credit;

3. Other conditions stipulated by the applicant bank.

4. Generally speaking, the age of the house should not be too high (few banks generally accept it for more than 20 years).

5. It is generally required that there can be no mortgage on the property (or even if the mortgage loan has not been repaid), and the loan can not be released until the last loan can be repaid.

Extended data:

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.

This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans in housing loans issued to individual residents.