Hello, in Beijing, personal housing mortgage loan, first of all, your credit information is good, and then you can mortgage the house.
Second, how long can Beijing mortgage be released?
Handle housing mortgage loan in Beijing. It usually takes 7 to 15 working days for the borrower to apply for mortgage of house payment. If more people apply for mortgage loans from banks, it will take longer than other ways. If according to the efficiency of non-bank financial institutions, involving real estate mortgage loans, because of the process of reviewing the borrower's personal qualifications, there is a shortcut to review and save time. If the materials are fully prepared, you can get the loan within three working days.
The following is the processing flow of housing mortgage loan:
1. Fill in the loan application form with the bank or sign a loan entrustment agreement with Qian Yun.
2. Submit the important materials required for this mortgage loan.
3. Cooperate with the appraiser to appraise the house.
4. Go to the Construction Committee to register the house mortgage.
5. Notarization
6. Repay on time after getting the funds.
3. What are the housing mortgage loan conditions in Beijing?
Requirements and materials for bank real estate mortgage loan: China citizens (including Hong Kong, Macao and Taiwan) aged 65,438+0 and over 65,438+08; 2. The lender has good credit and no major bad credit record; 3. Have a stable income and the ability to repay the principal and interest on schedule; 4. If a bank is designated, other conditions stipulated by the bank shall also be met. Materials to be provided: (1) Personal identity document, household registration book, proof of residence address and proof of marital status; (2) personal income certificate or asset status certificate; (3) proof of the property right of the mortgaged house; (4) If the applicant mortgages other people's property, it is also required to provide the property owner's ID card (including * * *), proof of marital status, written proof of consent to mortgage, etc. (5) If a bank is designated, other documents that meet the requirements of the bank shall be submitted. Experts who drill into secured loans remind you that finding a professional lending institution can improve your application efficiency.