1. Negotiate the loan with the bank; 2. After the bank agrees to lend money, find an evaluation company to evaluate the house; 3. Sign loan contracts and mortgage contracts with banks; 4. Bring my ID card, real estate license and relevant contracts to the Housing Authority for mortgage registration; 5. Take the house ownership certificate to the bank for loan.
Second, how to apply for a mortgage loan?
Property mortgage loan is handled as follows:
1, find a suitable lending institution.
There are many institutions that accept real estate mortgage loans. In addition to some big banks, there are many financial guarantee companies that can also handle real estate mortgage loans.
2. Submit mortgage application materials.
If the property and the husband and wife belong to the same property, then the mortgage loan needs to provide the information of both husband and wife, including their ID cards, household registration books, marriage certificates, real estate licenses, purchase contracts or bank statements of personal accounts for nearly six months.
3. Preliminary review of lending institutions
After receiving the borrower's mortgage loan application, the bank will conduct a preliminary examination. At this stage, there is basically nothing for property buyers, mainly because the lending institution will conduct a preliminary review of the basic materials we submitted before to see if the borrower meets the loan conditions of the institution.
Step 4 evaluate
It should be noted that there is a certain error between the amount of real estate mortgage loan and the market price of the house. Real estate mortgage loan is based on the evaluation value, not the market price. Lending institutions in general, especially banks, need to go to designated or recognized appraisal institutions for appraisal. Real estate assessment is not free, and appraisal fees will be charged, which is generally about 3/ 1000 to 5/ 1000 of the real estate.
Step 5 sign a contract
After the review and evaluation, the lending institution will notify the borrower to go through the loan formalities and sign the contract, and will specifically communicate with you about the loan amount, interest rate, term and repayment method.
After communication, you can sign the contract. After signing the contract, mortgage registration is required, which shall be handled by the Housing Authority where the house is located. After all the above procedures are completed, the buyers only need to wait for the loan.
Repayment method
pay in full
Explanation: At present, the bank stipulates that the loan term is within one year (including one year), so the repayment method is one-time repayment of principal and interest, that is, the initial loan principal plus interest for the whole loan period. The calculation formula is as follows:
One-time repayment of principal and interest at maturity = loan principal ×[ 1 annual interest rate (%)] (loan term is one year).
One-time repayment of principal and interest at maturity = loan principal ×[65438+ monthly interest rate (‰ )× loan term (month)] (loan term is less than one year).
Where: monthly interest rate = annual interest rate12.
If the housing provident fund loan is 6,543,800 yuan and the loan period is 7 months, the one-time repayment of principal and interest is:
10000 yuan × [1(4.05% ÷ 65438+February) × July ]= 10236.3 yuan.
Third, the detailed process of mortgage loan?
I. Mortgage loan process
(1) The borrower opens a current deposit account in the bank;
(2) Preparing loan requirements;
(3) Face-to-face signing bank;
(4) Bank filing and approval;
(five) after the approval of the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
(six) to the construction committee for mortgage registration;
(seven) the Municipal Construction Committee issued its right certificate;
(eight) according to the situation for insurance, notarization and other procedures;
(nine) the bank will directly transfer the loan to the account agreed in the contract;
(ten) the borrower shall repay the principal and interest according to the provisions of the loan contract.
4. What conditions do you need to apply for personal housing mortgage loan?
Apply for personal housing mortgage loan
1. Housing requirements: the service life of the house should be less than 20 years, the house area should be more than 50 square meters, and the house should have strong mobility.
2. Loan amount: The loan amount is 70% of the appraised value of the house.
3. Loan term: the loan term of new house loan shall not exceed 30 years, and that of second-hand house shall not exceed 30 years.
4. Loan interest rate: The loan interest rate of the same period and grade stipulated by the People's Bank of China shall be implemented.
Generally speaking, the "borrower's age" is no more than 65 for men and no more than 60 for women.
1. Equal repayment: the borrower repays each installment in equal amount and pays off all principal and interest before the loan term.
2. The average capital must be repaid in each period, and the interest to be repaid in this period and the principal to be repaid in each period must be paid off.
3. Equal increase: on the basis of equal repayment, a fixed repayment amount is added at regular intervals. This way is appropriate.
4. Equal Decline: customers who are higher than equal incremental repayment or have some savings available for repayment.
Summary: The applicant is a natural person with full capacity for civil conduct, aged 65,438+08-65 years old, with legal information and willingness to spend, stable income and repayment ability, legal loan use, and meeting the conditions of designated house mortgage stipulated by the bank.
Related questions and answers: how to apply? To apply for a loan by mortgage of the property in the borrower's personal name, that is, many of us often don't know the loan application process of applying for a personal housing mortgage loan from the bank: 1. Borrower's pre-loan consultation: fill in the application for residential housing mortgage and submit the borrower's fixed income certificate issued by the unit where the bank is located; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; Proof that I have the right to control 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 and the purchase bank. 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 borrowers sign the Housing Mortgage Loan Contract and notarize it. 5. After the loan contract is signed and notarized, the bank will negotiate the designated selling unit or building unit for the borrower's deposit and loan. 6. Loan settlement, including normal settlement and early settlement (one-time repayment of principal and interest) or final settlement of loans (installment repayment); 2. Early settlement: If the loan is fully settled at maturity, it must be repaid at the bank counter in advance according to the loan contract. After the loan is settled, the borrower should take back the relevant documents with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.