Many banks have real estate mortgage business.

Real estate mortgage loan process:

1. Select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;

5. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.

Second, which banks can make mortgage loans? These will do.

Mortgage loan is a common loan method in life, which requires the lender to provide certain collateral to the bank as a loan guarantee, such as a house, that is, to exchange the value of the house for a certain loan amount. As long as the repayment is made to the bank on time, the ownership of the house still belongs to the lender. So, which banks can make mortgage loans?

1. Which banks can make mortgage loans? Ordinary banks can make mortgage loans. After all, it is much safer to have a house as collateral than a pure credit consumer loan. For example, there are four major commercial banks in China: China Bank, China Agricultural Bank, China Industrial and Commercial Bank and China Construction Bank, and smaller banks such as China Merchants Bank, Industrial Bank, Minsheng Bank and China Postal Savings Bank. Or local banks such as Changsha Bank and Jiangsu Bank, or even local rural cooperation. Second, which houses can't be mortgaged? 1, the house with unclear ownership, that is, the ownership of the house is controversial or legal, and it cannot be said that it belongs entirely to itself. Of course, the bank does not accept it; 2. The house designated by the state is planned and built by the state. The state values this land and has the right to use it. Therefore, if the house is to be expropriated, it is naturally impossible to find a bank to apply for a mortgage loan; 3. illegal buildings, that is, houses without property certificates, can't be mortgaged naturally without property certificates; 4. The house with outstanding loans, that is, the loan of the house itself has not been settled, the property right certificate is not in its own hands, and the bank is not stupid. It is always impossible for two banks to borrow money with the same collateral; 5. Other situations in which mortgage loans cannot be obtained, such as the house is in disrepair for a long time and the area is too small, resulting in no mortgage value, or the house for public welfare purposes is not allowed to be mortgaged. The above is about which banks can make mortgage loans. As long as the corresponding conditions are met, it is generally no problem to find a bank to make a house mortgage loan.

Three. 202 1 mortgage bank policy?

Different banks have different housing mortgage loan policies, and the specific policies of the same bank are changing at any time. So in the new year of 20021,what changes have been made in the specific policies of banks for housing mortgage loans? What is the process?

Housing mortgage loan process: as far as policies are concerned, all major banks are preparing some new housing mortgage loan policies, but the real implementation is after the Spring Festival, although some banks have been implementing them since June 5438+ 10. In order to get off to a good start in the first quarter, the housing mortgage interest rates is set at a very low level, basically reaching an annual interest rate of 3.65%, but the loan period will not be too long. According to the current policies of major branches in Beijing, the specific handling process can basically be summarized into the following seven steps:

The latest policy of housing mortgage loan:

1. Face-to-face signing: prepare four certificates (ID card (if the lender is different from the lender, it must be the same as the borrower or guarantor), household registration book, marriage certificate (marriage certificate or divorce certificate plus divorce agreement or divorce judgment) and household registration book (which can be a full set of copies of household registration book). Business process (personal and company process), company information (copy of business license, account opening permit, official seal). It is best to provide the above information at one time, and some can be supplemented before the final completion.

2. Account: According to the different policies of banks, some banks need the account manager to go to the local house and the underground account of the company's business, while others only need to go to the house. Naturally, some banks open accounts and sign face-to-face at the same time. Some banks need evaluation reports, and some banks don't need evaluation reports according to the statistical data of banks that cooperate with evaluation companies. If it is necessary to interview the appraisal company, the appraisal company will be invited to conduct on-site appraisal on the same day.

3. Final review: the application for mortgage loan requires a contract with upstream and downstream relationship. The account manager of the bank begins to write a paper when all the information is complete, and finally gives it to the bank for final review!

4. Notarization: Bank loans generally require customers to go to the notary office for notarization (some banks do not need notarization, and many people will take advantage of the opportunity to make loans with unclear property division), and some banks will also require borrowers to do compulsory notarization.

5. Arrival: General bank mortgage materials, public documents and loan approval letters are issued together! Such notarization and mortgage often do not conflict, and can generally be carried out at the same time! You give the room book to the bank, and the bank will usually deliver it in batches!

6. Lending: After receiving the notarial certificate and other rights certificates from the Construction Bureau, banks can generally arrange lending within one to three working days! Get the loan contract: the bank will send it to the customer about two working days after the loan is issued, and the customer can also come to get the mortgage loan for five years in person.

4. Which bank in Dongguan can mortgage one room and two rooms?

If it is China Merchants Bank, it does not accept secondary mortgage at present, that is, the mortgaged property cannot be used as collateral to apply for a loan again. Specific policies can also be confirmed by contacting the personal loan department of local China Merchants Bank outlets.