Where to apply for real estate mortgage?
In any commercial bank, such as Bank of China, Agricultural Bank, China Construction Bank, Industrial and Commercial Bank, etc. , you can apply for a mortgage loan. However, when applying for housing mortgage loan, the following conditions should be met: under normal circumstances, the applicant for housing mortgage loan should have legal identity certificate, stable income source and the ability to repay the loan principal and interest; There must be no bad credit record, the house sales contract must be legal and valid, and there must be a marriage certificate. If you are married, you must show your spouse's ID card and household registration book.
Real estate mortgage loan application process
1, make preparations before lending.
First of all, you can go to the bank to submit your intention to apply for a mortgage loan, learn more about the loan application conditions, get the loan application form, ask for specific application materials, and then fill in the application form and prepare relevant materials.
2. Submit application materials and apply for a loan.
The application materials generally include personal valid ID card, house property right certificate, bank flow in the past six months, work certificate, credit report, loan application form, etc. Only when these materials are prepared and submitted to the bank staff can the bank formally accept the loan application.
3, material review, housing evaluation
After receiving all the information, the bank will verify the authenticity of the information and evaluate the personal qualification of the borrower. When reviewing the information, the bank may call the borrower or company to learn more about the situation. Please be sure to keep your mobile phone open.
4. Inform the audit evaluation results and sign a loan contract.
The real estate appraisal company submits the real estate appraisal opinions to the bank, and the bank notifies the borrower by SMS or telephone. After approval, the bank and the borrower negotiate on the loan amount and sign a contract; If the borrower has doubts about the appraisal and evaluation results of the house, he can complain directly to the bank.
5. Go through the mortgage registration formalities.
After the loan contract is signed, the borrower needs to go to the real estate office for mortgage registration with the house ownership certificate and notarized loan contract.
6. Issue loans and complete real estate mortgage loans.
After the mortgage registration is completed, usually 15-30 working days, the bank will release the loan funds and receive the loan, even if it is completed, as long as it is repaid on time in the future.
Generally speaking, the mortgage loan of real estate license can be handled in many commercial banks, but the process of handling it will be more complicated and require a lot of information. I suggest you consult more professionals and get their advice in the process.