The lender is a natural person with full civil capacity, good credit, stable income and the ability to repay the loan principal and interest on schedule. If the loan amount is mortgaged by individual housing, the maximum amount can reach 80% of the housing value; Personal commercial housing (shops, office buildings) is mortgaged, and the maximum loan amount can reach 60% of the value of the commercial housing. Loan term: 65,438+0-65,438+0 years. The loan interest rate shall be subject to the benchmark loan interest rate stipulated by the People's Bank of China or float appropriately. Repayment method: if the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, quarterly repayment or one-time principal repayment shall be adopted; If the loan term exceeds 1 year, the principal and interest shall be repaid monthly. Housing mortgage loan process: ◆ The borrower applies and submits relevant materials. ◆ Conduct real estate appraisal and pre-loan investigation and approval. ◆ Pass the examination and approval and go through the mortgage registration formalities. ◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract. ◆ When the principal and interest of the loan are settled, the materials to be provided for the mortgage of the mortgaged house are: ◆ Real estate license, personal identification certificate, household registration book, and proof of marital status (marriage certificate or divorce certificate, and single certificate must be issued at the local civil affairs bureau for divorce).

The second is to use the real estate license as collateral to help friends borrow money. What is the process of releasing the mortgage? How many days can it be finished?

Where can I apply for a mortgage loan?

From what you said, I can understand that you are vouching for your friend. The process of releasing the mortgage is very simple. During the loan period, your friend will repay as promised, and the financial institution will issue a repayment certificate. With this certificate, you can cancel the mortgage registration in the housing management department and cancel the mortgage smoothly. The length of time depends on the specific relationship. Usually it won't take long. In general, a week is enough.

If your friend can't repay the loan due, it will involve breach of contract, and you will be jointly and severally liable. At this time, unless you find a way to pay off the loan, you can't get the real estate license back. Once you break the contract, it will also involve your personal credit problems. This kind of thing needs careful consideration.

Third, the real estate mortgage loan procedures

The processing flow of real estate mortgage loan is as follows:

1. The borrower submits a mortgage loan application to the bank and provides relevant certification materials required by the bank.

2. After receiving the loan application, the bank will review the materials provided by the borrower.

3. After approval, the borrower will hand over the real estate license and insurance policy to the bank as collateral.

4. The bank signs a housing mortgage loan contract with the borrower and notarizes it.

5. After notarization, the bank will directly transfer the loan to the seller's bank account specified in the contract.

6. The borrower began to repay the bank loan on schedule.

Problems needing attention in housing mortgage loan

1. The mortgaged property needs to be in the borrower's name. If the mortgaged property is owned by others, a statement that someone agrees to the mortgage loan is also required.

2. It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, purchase of large household durable consumer goods, study abroad and other consumption.

3. Divorced borrowers need to submit divorce agreements or judgments. If you are unmarried after divorce, you need to submit proof of unmarried after divorce.

4. Small property houses cannot apply for real estate mortgage loans, and real estate mortgage loans can only trade clear big property rights.

4. What is the mortgage loan process?

Real estate mortgage loan is a common bank loan. Borrowers can obtain bank loans by mortgaging real estate licenses and other documents in banks. At present, most housing loans are mortgaged by real estate.

The following is the main process of real estate mortgage loan:

1. The borrower needs to collect loan materials.

These materials include proof of identity, proof of repayment ability, down payment invoice, proof of marital status, certificate of house ownership, application for personal housing loan, etc.

2. The bank examines the loan application.

After receiving the loan application from the lender, the bank will review all relevant information provided by the lender. Different banks spend different time on the audit, which usually takes 2-3 weeks.

3. Approve the license for hosting real estate.

After the lender's loan application is approved, the bank will hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping.

4. Notify the borrower to sign the loan contract.

After the real estate license is managed, the bank will inform the borrower to go to the bank to sign a loan contract. At the same time, the borrower needs to go to the real estate management department for mortgage registration.

5. Bank loans

After all the formalities are completed, the bank will directly transfer the loan amount into the account of the real estate developer.

6. After the loan is settled, the mortgage cancellation formalities shall be handled.

After all the mortgage loans of real estate are settled, the lender can retrieve his real estate license from the bank with his ID card and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation procedures at the real estate management department.

Paying off the loan is not the last step of the real estate mortgage loan, but the mortgage cancellation procedure. After the loan is paid off, the mortgage registration and cancellation procedures should be handled as soon as possible.