1. How to get a loan with bank mortgage of real estate

1. How to get a loan with bank mortgage of real estate

1. Specifics of bank mortgage with real estate loan

(1) Sign a sales contract. The buyer and seller sign a house sales contract, and agree on details such as the payment method and time;

(2) Submit an application. The borrower submits a loan application to the bank and follows the bank’s instructions. The materials are submitted to the bank for review, borrowability and completeness;

(3) Evaluate the property. After submitting the materials, the bank will conduct on-site inspection and evaluation of the borrower's mortgaged property. This is part of the real estate mortgage loan process. An important link, this link directly determines the amount of the borrower's home mortgage loan

(4) Sign a loan contract. After the property evaluation is completed, if the borrower passes the bank's review, the bank will The borrower signs notarization, insurance and other procedures;

(5) The transaction center in the office area handles the house transfer and mortgage procedures, and submits the mortgage receipt

(6) Bank loan , all hands will issue loans to borrowers, and borrowers only need to repay on time.

2. Legal basis: Article 394 of the "People's Republic of China and Civil Code"

In order to guarantee the performance of debts, the debtor or a third party shall not transfer property If the property is mortgaged to a creditor and the debtor fails to pay due debts or the circumstances agreed by the parties to realize the mortgage rights occur, the creditor shall have the right to receive priority payment for the property.

2. Things to note when applying for a house mortgage loan

Things to pay attention to when applying for a house mortgage loan

1. Appraisal value of the property: The value of the property is of course the most important Yes, but what the bank is interested in are the supporting facilities, the degree of decoration, and the estimated value. The bank will determine the loan amount based on the assessed value and a certain proportion. Therefore, the assessed value does not represent the market value;

2. Loan amount: Based on the borrower's use of funds, the bank will transfer the funds to the payee. If you apply for a renovation loan, the loan amount will be issued to the renovation company. Therefore, the loan amount will not be fully released to the borrower's account;

3. Evaluation of the loan: It should be noted that it will be released within 3 working days after receiving other rights certificates. Loans;

4. According to bank regulations, for properties located within the scope of the project, small-property houses less than 5 years old are economically suitable. When applying for a loan, the purpose and nature of the property need to be determined.

2. How to get a loan with bank mortgage of real estate

1. How to get a loan with bank mortgage of real estate 1. The specific process of bank mortgage of real estate is as follows: (1) Signing of a sales contract, signed by the buyer and seller House sales contract, and agree on details such as the amount of down payment, loan and balance payment, payment method and time; (2) Submit an application, the borrower submits a loan application to the bank, and prepares and submits mortgage loan information in accordance with the bank's requirements Reviewed by the bank, the borrower needs to ensure the authenticity and completeness of the information; (3) Evaluate the property. After submitting the materials, the bank will conduct on-site inspection and evaluation of the borrower's mortgaged property, which is an important part of the real estate mortgage loan process. This link directly determines the amount of the borrower's housing mortgage loan; (4) Signing a loan contract. After the property evaluation is completed, if the borrower passes the bank's review, the bank will sign a loan contract with the borrower and perform notarization , insurance and other procedures; (5) To handle the mortgage procedures, the borrower goes to the trading center in the district where the house is located to handle the house transfer and mortgage procedures, and gives the mortgage receipt to the lending bank; (6) The bank lends, and all procedures are completed After that, the bank will issue the loan to the borrower, and the borrower only needs to repay the loan on time. 2. Legal basis: Article 394 of the "People's Republic of China and Civil Code" is to guarantee the performance of debts. If the debtor or a third party does not transfer possession of the property and mortgages the property to the creditor, the debtor shall not perform the obligation until the due date. If a debt is due or the mortgage rights are realized as agreed by the parties, the creditor shall have priority in receiving repayment for the property.

2. Things to pay attention to when applying for a house mortgage loan. Things to pay attention to when applying for a house mortgage loan are as follows: 1. The appraised value of the property: Of course, the value of the property is the most important, but the appraised value is what the bank is interested in. According to the location of the property, The supporting facilities, decoration degree, area, and land price are comprehensively evaluated, and the estimated value is given. The bank determines the loan amount based on the assessed value and determines the loan amount according to a certain proportion. Therefore, the appraised value does not represent the market value; 2. Loan amount: Based on the borrower's use of funds, the bank will transfer the funds to the payee. If you apply for a renovation loan, the loan amount will be issued to the renovation company. Therefore, the loan amount will not be fully released to the borrower's account; 3. Evaluation of loan disbursement: It should be noted that after the borrower passes the loan review, it will only be issued within 3 working days after receiving other rights certificates. Grant loans; 4. Other bank regulations: According to bank regulations, real estate mortgage loans cannot be applied for properties located within the scope, affordable housing with small property rights that are less than 5 years old. Therefore, when applying for a loan, you need to determine the purpose and nature of the property.

3. CCB housing mortgage loan application process?

A home loan is a home purchase loan that the home buyer fills out a home mortgage loan application form to the lending bank and provides legal documents. The lending bank will issue a home purchase loan to the home buyer after passing the review. So, how to apply for a Construction Bank home loan?

CCB’s housing mortgage loan process:

1. Loan application: Be clear about the loan conditions, loan amount, term, interest rate repayment method, loan procedures, etc., and propose the purpose of the real estate mortgage loan , amount and time period.

2. Preparation of loan application materials: personal and spouse ID cards; household registration certificate and marriage certificate of the individual and his spouse; personal work and income certificates; relevant certification materials for the mortgaged property; materials proving the purpose of the loan; Other relevant supporting materials specified by the bank.

3. House inspection and evaluation: The bank will contact the designated real estate evaluation agency to inspect the house for evaluation, or the lender will go to the evaluation institution designated (approved) by the Bank of Beijing to conduct the house evaluation.

4. Apply for loan approval: Submit all loan application materials together with the evaluation report or survey opinion to China Construction Bank for approval. The loan amount, term, etc. will be reviewed and approved based on the lender's qualifications.

5. Mortgage registration procedures: Go to the property rights office to handle the mortgage registration procedures with the house ownership certificate and the notarized loan contract.

6. Account opening and lending: The borrower opens a repayment account and the bank lends money to the account.

4. What is the process of real estate mortgage loan?

First make an appraisal of the house you buy, and then go to the bank with the appraisal report and all the required invoices. It is recommended that It would be very troublesome to find an agency.