Real estate mortgage loan, that is, housing mortgage loan, is a process in which borrowers use their own or third-party real estate ownership as collateral to raise funds from banks and other financial institutions. Before repaying the principal and interest, the real estate ownership of the mortgaged property is mortgaged to the financial institution, and the borrower has the right to dispose of the mortgaged property after the expiration of the time limit.
Next, what are the conditions of real estate mortgage loan? What kind of information do you need to submit?
The borrower needs to meet certain conditions to mortgage the real estate financing loan, as follows.
1. The borrower must be at least 18 years old, that is, a natural person who has completely independent civil capacity and can independently assume responsibilities.
2. The applicant must have a permanent residence in China, valid household registration certificate, good credit, no illegal acts and bad records, stable occupation and income, and repayment ability.
3. For the second mortgage of real estate, the first obligee of house mortgage must be the bank.
4. The borrower needs to own one or more property houses in his own name (at least one property house in this city).
5. Other conditions stipulated by financial institutions.
According to the purpose of real estate mortgage loan, the required information is also different. However, the borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account and proof of a large number of assets are generally required. A certificate issued according to the purpose of the loan. For example, the company's business license, personal consumption financial report proof and so on are all needed for the company's operation.
These are all very clear. Now, Bian Xiao will specifically introduce the flow chart of 20 17 mortgage bank loan.
20 17 mortgage bank loan process is roughly divided into
First of all, submit the above certificates: real estate license or house ownership certificate, land use certificate, ID card of the borrower and his wife, household registration book, marriage certificate (single certificate issued by the Civil Affairs Bureau), income certificate (need to be stamped) and so on.
The second step is to look at the house and evaluate it.
According to the location, floor, area and direction of the collateral, the house can generally be financed to 50-90% of the assessment.
The third step is to sign the contract in the bank.
After housing appraisal, it is necessary to go through the formalities of real estate insurance and corresponding loan review, and agree to issue loan contracts and mortgage contracts.
The fourth step is mortgage registration.
The borrower holds the real estate license and loan contract to the county real estate bureau where the real estate is located for mortgage registration, and the institutional expenses shall be borne by the borrower.
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After the mortgage registration, the bank can issue loans to the borrower's personal savings account.