Treatment method of real estate mortgage loan
1. Before going to the bank to handle the mortgage loan formalities, you should prepare relevant documents and materials to avoid making a trip in vain, including personal ID card, household registration book, real estate license, etc.
2. After going to the bank, the bank staff will ask them to fill out a form for applying for a mortgage loan, which should be carefully filled out according to the actual situation. It should be noted that the contents filled in the application form must be guaranteed not to be false, because if the auditor finds that the above contents are not absolutely true, then the application form will not be allowed to pass and the relevant procedures cannot be continued.
Sometimes it takes a long time to review the application form. Everyone should be patient and don't worry. If the contents of personal documents and application forms are absolutely true, they will generally be allowed to pass.
Because the principal and interest have to be repaid every month after the loan, everyone should have economic income and the ability to repay the loan.
Matters needing attention in handling mortgage loans
1. The property mortgage needs to be the property in the borrower's name. If it is owned by a third party, a statement that someone agrees to the mortgage loan must be issued at the time of mortgage.
2. In the marriage certificate provided, if there is a divorce, a divorce agreement or a court judgment is required; If you are single after divorce, you need to provide proof that you have not remarried after divorce.
It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, and consumers should pay attention to policy risks.
It is impossible to apply for a mortgage loan for a house that has not paid off the loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again.
5. Small property houses have no mortgage trading right. This is because small property houses have no property rights and may be eliminated under the policy of land use planning, so financial institutions will not mortgage such properties.