What should I do after the e-loan of Rizhao Bank's housing rights is passed?

1. What should I do after the e-loan of Rizhao Bank is approved?

After the e-loan for housing rights handled by Rizhao Bank is approved, the notified customers need to bring personal ID cards, bank cards and other materials to the business outlets to sign loan contracts and handle mortgage registration and other related procedures.

After signing the contract and making a good mortgage, the bank will enter the lending link, and customers only need to wait patiently. After the bank lends money, the money is transferred to the account designated by the real estate developer, and the customer can pay attention to repaying the mortgage principal and interest on time and in installments according to the repayment plan agreed in the signed contract (generally from the month after the loan is extended).

2. Which banks can handle housing in two mortgage?

Banks that can handle housing in two mortgage: Industrial and Commercial Bank, China Merchants Bank, Industrial Bank, Jiangsu Bank and Ping An Bank.

1. Industrial Bank: At present, the term of the second mortgage loan of Industrial Bank is the longest among all banks, reaching 30 years. Other banks can only do secondary mortgage business for 5-20 years. If you want to make a second bet for a long time, it is recommended to choose Industrial Bank.

2. Ping An Bank: Ping An Bank has always been "atmospheric". The same is true of the second mortgage business. Ping An Bank is a good choice if the loan is more focused on the loan amount. Its loan amount can reach 75% of the loanable space of real estate.

3. Jiangsu Bank: In the second mortgage loan business, Jiangsu Bank has no restrictions on the bank where the borrower applies for the first mortgage, and can recover the funds within five years after the second mortgage loan, which is relatively flexible and convenient.

4. Industrial and Commercial Bank of China: The application for second mortgage can be accepted, provided that the first mortgage loan is also handled in this bank.

5. China Merchants Bank: Like ICBC, apply for a second mortgage, provided that the first mortgage loan is also handled at the bank.

Precautions:

1. First of all, the borrower needs to submit a loan application to a bank that can handle the secondary mortgage. After the bank accepts the loan application, the borrower submits the relevant loan information to the bank for review. After passing the examination, the borrower can prepare to sign two mortgage contracts.

2. The interest is calculated according to the original contract interest rate. In case of legal interest rate adjustment, the houses used for individual housing in the secondary mortgage must be existing houses, and the houses used in the secondary mortgage should be high-quality houses and commercial houses with great market development potential.

3. Which bank in Rizhao can go to the second mortgage?

You can apply to local CITIC and Ping An Bank.

The flow of houses in two mortgages

1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a house purchase contract or letter of intent;

2. Apply for a loan from the bank and submit relevant materials;

3. The results of the bank's examination of the borrower. If the bank agrees to the loan, it shall sign a contract with the borrower and guarantor, and the seller shall partially pay off the loan amount difference.

4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller;

5. After obtaining the land and house property certificate, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the account opened by the seller in the bank.

4. Which bank in Rizhao can get a second mortgage?

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;