Mortgage loan process of real estate license: 1. Preparation materials, including husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account in the last six months. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. 4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

The lender meets the requirements of 1. For a natural person with full capacity for civil conduct, the maturity date of the loan is generally not more than 65 years old; 2. Have a permanent residence in this city and a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; Willing and able to provide real estate mortgage approved by the lender; 4. The co-owners of real estate recognize their loan and guarantee behaviors and are willing to bear relevant legal responsibilities.

Conditions for mortgaging real estate 1 The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage; 2. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years; The mortgaged house is not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor and his spouse or other property co-owners to sign it.

Second, the real estate mortgage loan

First of all, what is the purpose of mortgage loan? The loan amount and interest rate are different for different purposes, and banks do not give loans for some purposes. Banks can be fast or slow, mainly because the people who lend you money are worried. Really, he may do it in the bank in three days or in a week. Regarding the quick mortgage of the real estate bureau, I suggest you spend some money to handle it urgently and do it well within three days. If it is a general process 10,

3. Can the mortgage loan be repaid in advance?

Mortgage loans can be repaid in advance, one is partial repayment, and the other is full repayment.

Prepayment method:

1. If the term of real estate mortgage loan is less than 1 year (inclusive), the repayment method of principal and interest shall be implemented once it is due. With the consent of the loan bank, the borrower may settle all the loans in advance, and calculate the interest according to the original contract interest rate and actual service life, but may not repay part of the principal in advance.

2. If the term of real estate mortgage loan exceeds 65,438+0 years, during the loan period, after the borrower submits a written application for prepayment to the loan bank, with the consent of the loan bank, it can repay part of the principal or pay off all the loan principal and interest in advance, and the part paid off in advance will no longer bear interest in the future, and the loan interest charged before will no longer be adjusted.

If all loans are paid off in advance, with the consent of the lending bank, interest will be charged according to the interest rate agreed in the contract, the loan balance and the actual number of days occupied.

Extended data:

Loan terms:

(1) has legal identity;

(2) It has a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There is a legal and effective purchase contract;

(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

(5) If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 year;

(6) Being able to provide effective guarantee recognized by the loan bank;

(7) Other conditions stipulated by the lending bank.

Loan amount: the maximum amount shall not exceed 70% of the purchased house price;

Loan term: generally, the longest is 30 years. If the newly purchased house is used as the maximum mortgage, the effective date is the day before the signing date of the individual housing loan contract; If the original mortgage loan in China Construction Bank is converted into the maximum mortgage loan, the starting date of validity is the day before the original mortgage loan issuance date;

Loan interest rate: the loan interest rate is the same as the individual housing loan interest rate.