What conditions need to be met:
1. The property right of the house is clear, and all legal owners agree to mortgage it;
2. At present, the house is unsecured and there are no other debt disputes;
3. The house owner who meets the above conditions can apply for mortgage loan in the bank with ID card and real estate license, fill in the application materials, and then approve the loan after the bank reviews. Note that different purposes will have different loan restrictions.
Real estate bank mortgage loan process.
1. The applicant prepares materials to apply for a loan from the bank.
2. Bank acceptance bills.
3. The appraisal company evaluates the real estate (collateral).
4. The bank obtains the approval evidence according to the information provided by the customer and the evaluation report.
5. Apply for real estate mortgage after the approval of the bank.
6. After obtaining his right certificate, the bank will lend money.
7. Post-loan management of banks.
Information needed for handling real estate mortgage loan
1. Property certificate.
2. Identity cards of the owner and spouse.
3. Household registration book of the property owner and spouse.
Marriage certificate of the property owner (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).
5. Identity cards of the borrower and his spouse.
6. The household registration book of the borrower and his spouse.
7. The borrower's marriage certificate (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).
8. Proof of income and bank flow of the borrower and spouse.
You can go to the local bank to find out the details, then compare the interest rates and choose your favorite bank loan.