First, can the house be mortgaged?
You can still live after the mortgage loan, because the mortgage of the mortgage loan is only the mortgage on the certificate, and it does not interfere with the right to move in, mortgage the real estate license and other certificate loans. Moreover, there are two kinds of mortgage loans, one is personal consumption loan and the other is personal business loan. The so-called bank consumption loan is a loan issued by a banking institution to individual consumers for purchasing durable consumer goods or paying for other consumption.
Second, how to apply for a mortgage bank loan?
1. mortgage loan application conditions: not all houses can be mortgaged with bank loans. First of all, the rigid requirements of most banks are that the age of the house is within 15, the area is over 60 square meters, and the loan application amount cannot be less than 300,000. Applicants should have extra rooms. And provide repayment sources and loan purposes, such as personal flow, invoices, etc.
Some people think that their house is in a good location and the market price is high, so they can definitely apply for a mortgage loan from the bank. This is wrong. When banks apply for loans, the first thing to consider is risk. The new house is better than the old one. A large area is better than a small one. In addition, it is easier to handle without birth certificates for the elderly and children than with them.
3. Mortgage bank loan interest rate: Because the economic environment is changing, the interest rate is also changing. Last year, you can enjoy a 10% discount on consumer loans, and now you have to go up at least 10-30%. Not to mention personal business loans, it is possible to float 40-50%. Therefore, when applying for a loan, you should consider your repayment ability, otherwise the monthly pressure will be too great, which will be very hard and embarrassing.
4. Repayment method of mortgage bank loans: personal consumption loans are generally repaid with equal principal and interest, and the loan term is 15 years. Personal business loans are divided into two types: equal principal and interest and interest before principal. The loan term is 15 years and 1 year respectively.
Third, how to handle housing mortgage loans.
1. Submit a loan application: The borrower must first confirm whether he meets the mortgage loan conditions of the bank, and then submit a loan application. Under normal circumstances, personal housing mortgage loans need to provide ID cards, household registration books, proof of income, corresponding contracts for personal consumption purposes, proof of marital status, and house ownership certificates.
2. Bank evaluation loan: After receiving the borrower's loan application, the bank will evaluate the borrower's repayment ability and property value. According to the submitted materials, the bank should conduct on-the-spot investigation and evaluation of the mortgaged property. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. In addition, the borrower's personal credit information and income will also affect the bank's approval of loans.
3. Sign a loan contract: After the bank evaluates, if the bank has no doubt about the borrower's collateral and repayment ability, it will notify the borrower to sign a loan contract. Under normal circumstances, the lending institution will review it again according to the materials and evaluation reports submitted before. If approved, it will communicate with you the loan amount, interest rate, term and repayment method, and then you can sign the contract.
4. Lending: After the loan contract is signed, the borrower only needs to wait for the bank to issue the loan, and the lender opens a special repayment account for the borrower's loan. In addition, it should be noted that some banks will require borrowers to purchase mortgage property insurance, and the first beneficiary of insurance is the bank, which can reduce the risk of lending.
Legal objectivity:
Article 9 of the Measures for the Administration of Urban Real Estate Mortgage: If more than two mortgages are set for the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set. The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property. After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.