I. Real estate mortgage loan process
1. Before the borrower loans: fill in the Application for Housing Mortgage and submit the following supporting materials from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6. The borrower has no overdue credit card before applying for the loan. If he had a loan before, he must have no bad repayment record.
7. The borrower has a fixed job, stable income and repayment ability.
Second, the housing mortgage loan conditions
First, a natural person with full capacity for civil conduct must not be over 65 years old before the repayment due date.
Second: have a fixed residence in this city, have a fixed residence, have a proper job and a stable income, and have the ability to repay.
Third: the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate trading market without any mortgage.
Fourth: the age of the mortgaged property within the loan period cannot exceed 40 years.
Fifth: the mortgaged house is not within the scope of demolition, and there are real estate licenses and land certificates.
Sixth: The mortgaged house can be the borrower's own house or someone else's house. If it is someone else's house, there must be a written commitment from others to agree to the mortgage of the house and sign it.
Seventh: If the mortgaged house has other owners, they must obtain their consent and be willing to bear legal responsibilities.
Third, the amount and duration of mortgage real estate loans.
1, and the highest mortgage rate of commercial housing can reach 70%;
2. The mortgage rate of office buildings and shops can reach up to 60%;
3. The mortgage rate of industrial plants can reach up to 50%;
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses, etc.
After the mortgage of real estate, we need to pay attention to various issues, such as duration, scope and so on. But these need to be registered on the mortgage. The above is a compilation of data from Bian Xiao. I hope you can have a clearer understanding of the process of real estate mortgage loan after reading it.