Property mortgage loan conditions: natural person of age 18-65; Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time; There is no illegal act; Good credit information and bad credit records; It can provide effective pledge guarantee of rights recognized by the bank, or it can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability; Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it; The property right of the house is clear and meets the listing and trading conditions stipulated by the state; Real estate can enter the real estate market without any other mortgage; The sum of housing age and loan application period cannot exceed 40 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; Other conditions stipulated by the bank.
2. What/real estate mortgage should Wuhan meet?
1. The house being mortgaged If the house is still mortgaged, it means that the mortgage of the house is still accepted by the bank. Although the owner can use the house, he does not have complete property rights, so the owner does not have the conditions to apply for a loan with the house as collateral. 1. Although the bank has no strict requirements for small-sized second-hand houses with too long housing age, under normal circumstances, it is difficult for houses with too old housing age and too small housing area to apply for mortgage loans. Under normal circumstances, if the house is not in the main function of the city, and the area is less than 50 square meters, and the age of the house is more than 20 years, the bank will think it is difficult to realize it and mortgage it. 3. Generally speaking, a small property right in a small property right house means that there is no property right. Only the seller's sales contract is not recognized by the housing management unit. Once this kind of real estate has a policy plan, the value of the house will change greatly, so banks will not mortgage small property houses. 4, the age of less than five years of affordable housing.
3. How to get a house mortgage loan in Wuhan?
1. What can be used as collateral for bank mortgage loans?
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Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage the property to 78% of the appraised price.
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4. Does anyone know what the mortgage loan process of Wuhan real estate is?
Wuhan real estate mortgage has these processes:
1. Preparation materials: ID card, real estate license, marriage certificate, household registration book, credit report, bank account, etc.
2. Application process: the applicant matches the appropriate bank loan products according to his own situation and formally submits the loan application.
3. Real estate appraisal: appraise the collateral through the bank or entrust a third-party appraisal company and review the authenticity and validity of the submitted materials;
4. Approval: After opening an account, the account manager submits all materials for approval.
5. Approval: The bank can arrange the mortgage after approval.
6. Mortgage registration: the mortgagor holds the real estate license to the housing management office in the area where the real estate is located to handle the mortgage of the real estate.
7. Bank loan: the repayment account provided by the applicant, and the bank lends money to it.