Blacklist can mortgage housing loans, but whether the loan can be successful depends on where the loan is. If you apply for a bank loan, you usually need good credit. Although Credit Information Black can provide real estate license to apply for mortgage loan, it may also be rejected. Even if the loan is approved, the loan interest rate will rise and the amount will be relatively low. If you apply for loans from other financial institutions and use real estate licenses, as long as you have good repayment ability, Credit Information Black can also get loans, but the interest rate will be higher.

General banks will stipulate the processing time of housing mortgage loans. The borrower can get the loan within 15-20 working days after submitting complete application materials such as work certificate, income certificate and property certificate, and passing the examination of personal qualification and mortgaged house.

Bank mortgage loan process

1. Submit a loan application to the bank: the content should explain the purpose, amount and term of the loan.

2. Submit loan information: If an individual applies for a house mortgage loan, he/she needs to provide the following information: the borrower's ID card, running water in the past six months, work certificate, credit report, house property certificate, etc. If an enterprise needs to mortgage the real estate, the materials it should provide include: business license, articles of association, capital verification report, purchase and sale contract, running water of the last six months, annual financial statements of the previous year, financial statements of the last six months, and proof of assets.

3. Housing evaluation: After all the above materials are handed in, the bank will conduct on-the-spot investigation and evaluation of the mortgaged property.

4. Loan approval: The housing appraisal company submits the appraisal report or opinion to the bank for approval.

5. Signing a loan contract: The borrower signs a loan contract with the lending institution, and all relevant documents, signatures and handprints are notarized by a notary.

6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures at the real estate office with the house ownership certificate and notarized loan contract.

7. Bank lending: Due to different bank regulations, loans will be made to the cooperative merchant's account in the form of cash, punch card or remittance.