First, the housing mortgage loan conditions
1. Houses used for mortgage loans need clear property rights and can be listed and traded; 2. Lenders need to have stable income and the ability to repay loans; 3. When the loan expires, the lender cannot be over 65 years old; 4. The house owner agrees and is willing to provide guarantee for the lender's loan behavior, and agrees to bear relevant legal responsibilities.
Second, the housing mortgage loan process
1, loan application
The lender needs to explain to the bank the purpose of the loan, the amount of the loan, and how many years it needs to be loaned.
2. Prepare loan materials
The materials needed for the loan include: ID card, personal bank account, income report, household registration certificate and marriage certificate; If you are married, you also need to provide your spouse's ID card and marital status.
3. House evaluation
Banks need to make a specific valuation of mortgaged houses, and the valuation must be carried out by relevant institutions, so that the valuation is more accurate.
Step 4 apply for a loan
The loan applicant will send the required materials together with the house appraisal quotation to the bank, and the bank staff will review the materials.
5. Notarization of loan contract
Lenders need to sign loan contracts and some documents related to loans with banks, and all procedures need to be notarized by notaries to ensure the legitimacy and reliability of loans.
6. Mortgage registration procedures
The staff of the bank will submit the title certificate and loan contract submitted by the lender to the property right office again for mortgage registration.
7. Opening an account and lending
Lenders need to open repayment accounts, and banks will transfer loans to bank cards.
I'll introduce the conditions and process of housing mortgage loan here first. Are you clear? If you are going to use the housing mortgage loan, you must meet the conditions of the loan and prepare real materials, so as to ensure the success rate of handling the loan.