If you have a title certificate, you can apply for a mortgage loan. For example, if you have a property right certificate, you can use it as collateral to apply for a loan in the bank. As long as there is no problem with your credit information and you have the ability to repay, the audit is easy to pass.

Mortgage, this is the application process.

Mortgage loan is a popular loan method at present, which is suitable for users with general qualifications and credit and qualified collateral under their names. They can apply for a high loan by providing vouchers. So how do you apply for a mortgage? Just complete these application processes.

1. Choosing a lending institution: The first and most crucial step in handling a real estate mortgage loan is to choose a formal lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements are relatively slow and high. Although private lending has many interest rates, it has low audit requirements and fast processing speed. Therefore, choosing the right lending institution is a crucial step in the whole loan process.

2. Submit the application and application materials: After selecting a suitable institution, you can submit the application with the materials required by the applying institution.

3. Preliminary review: The lending institution will conduct a preliminary review of the basic materials we submitted before, and the review needs to meet the relevant requirements.

4. Appraisal: Generally, lending institutions, especially banks, are required to go to designated or recognized appraisal institutions for appraisal, and appraisal fees will be charged during appraisal. The fees charged by different institutions may be different, and the charging standards in different regions are also different.

5. Loan approval and signing: The lending institution re-examines the loan according to the materials and evaluation reports submitted before. After approval, it will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract.

6. Apply for mortgage registration and loan.

To sum up, the amount of mortgage loan can be analyzed on a case-by-case basis, because there are many factors to consider, so everyone still needs to know the evaluation factors and processes of the house before handling the mortgage loan to avoid unnecessary troubles.