The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.
How to handle housing mortgage loan?
Housing mortgage loan handling process
1, the purpose, amount and life of the loan proposed by the borrower when applying for the loan.
2. Prepare loan materials
3. Appraisal of house-viewing: The relevant institutions conduct on-the-spot investigation, appraisal (survey) and valuation of mortgaged houses.
4. Submit all loan application materials together with the evaluation report or survey and evaluation opinions to the bank for approval.
5. Notarization of loan contract
6. Mortgage registration procedures
7. Bank loans.
What does the collateral include and what is the assessed value?
Collateral includes: houses, apartments, office buildings, villas and shops.
Of course, what we are most concerned about is the assessed value of collateral.
Houses and villas can be valued at about 7-90%.
Apartments, office buildings and shops can be valued at about 50%.
If the credit is good, the income is stable and the source of repayment is clear, the amount will be higher.
At present, the interest of mortgage loan is 3.3%-4.25% per annum, with equal principal and interest, with interest first and principal later. The maximum term of a single loan is 654.38+million years, and customers can choose the loan term according to their actual situation.
Application conditions:
1, individuals or business owners can.
2. The property is in Chongqing.
3. At least 18 years old, but not more than 70 years old.
4. Good credit information
5. There are repayment sources.
The above is the process and interest of bank mortgage loan.
One is private mortgage loan, which is quite simple. As long as the credit information is good and the source of repayment is clear, the next repayment can be made on the same day. The interest amount is 300,000-30,000,000 yuan, which can be interviewed at a low interest rate, with a term of 1 month-1 year, with interest before capital, and flexible operation.
In addition, we also handle various bank loans, such as secondary mortgage, decoration loan, personal credit loan, enterprise credit loans, bridge crossing, mortgage loan and other products.
The world is busy for profit.
All the cries in the world are for profit.
Meeting is fate.
If you need it.
And I happen to be a professional.
How to apply for a mortgage loan
The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.
What about the house mortgage?
When people inevitably encounter financial difficulties, it is sometimes inconvenient to borrow money from relatives and friends. Mortgaging real estate is a quick and effective way. But many people are doing mortgage loans for the first time, and they are not very clear about the operation process. Never mind, let's see what to do with the mortgage.
First, go to a regular bank to apply for a loan.
Bring the original real estate license, ID card and household registration book. If you are married, bring your spouse's ID card, real estate license, marriage certificate of both parties and income certificate (mainly depending on your repayment ability) and apply to the professional credit department of the bank with these documents.
Second, on-site assessment
After the application is approved, the bank staff will go to your real estate office to evaluate whether the loan amount can pass the audit standard.
Third, sign a contract.
If the contract is signed after passing the assessment, the contract shall be made in triplicate, one for the bank and one for both husband and wife. When signing the contract, both of them must be present at the same time. If one party cannot be present under special circumstances, a power of attorney with fingerprints of both parties shall be provided. When signing a contract, you should read every clause carefully to avoid unnecessary disputes in the future.
Fourth, wait for the loan.
After signing the contract, you must apply for a repayment passbook for future repayment. Then wait for the loan. The fastest is half a month to 20 days, and the slowest is more than a month, depending on the efficiency of local banks.
Verb (abbreviation for verb) repayment
Remember that repayment is a very, very important thing. Try to repay before the repayment deadline, and don't repay after the date, otherwise you will leave a bad repayment record. In case of a loan in the future, the bank is likely to reject your loan application, and if it exceeds the date, it will be penalized. So remember.
Summary: The process of housing mortgage loan may be different in each region. You can go to the local bank for consultation. Finally, once again remind everyone that we must remember to repay on time to avoid unnecessary trouble.
What about the house mortgage loan?
The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.
How to apply for a mortgage loan
Mortgage with a house, usually the whole process has nine steps, as follows:
1. Apply to the bank
The borrower applies to the bank for a housing loan, explaining the purpose, amount and mortgaged house of the loan. If the application meets the requirements of the bank, the bank loan specialist will tell the borrower the specific procedures and what materials need to be prepared.
2. Submit loan information
Submit the loan application materials according to the requirements of the bank, usually including the borrower's ID card, bank account, personal credit report, homeowner's real estate certificate, etc.
3. Actual evaluation of house value.
After the bank lends the information, the bank will make on-the-spot investigation and evaluate the value. According to the location of the house and the surrounding environment, give a reference price and how much the house is worth.
4. Lending approval
The bank will submit the housing appraisal report and the previous personal application materials to the bank for loan approval, and give approval on whether and how much loans can be made according to the housing value and personal repayment ability.
5. Sign a loan contract
After the first trial of the loan is passed, the bank informs the borrower to sign a formal loan contract, which needs notarization.
6. Go through the mortgage registration formalities
Go to the real estate center for mortgage registration with different property rights and loan contracts.
7. Bank loans
After the above procedures are completed, the bank will transfer the loan to the borrower's personal bank card.
8. Repay on time
According to the loan contract, the repayment shall be made on time and shall not be overdue.
9. Go through the mortgage cancellation procedures.
After the house loan is paid off, the bank should issue a settlement certificate and go through the mortgage cancellation procedures at the real estate center.
The above nine steps are the whole process of mortgage loan. Under normal circumstances, it is handled in accordance with the above process, and individual banks will have small differences, but they are all similar.