Process of handling real estate mortgage loan:
The borrower opens a current deposit account in the bank;
Information required for preparing loans;
Go to the designated institution of the bank to evaluate the real estate;
The bank is in front;
Bank filing and approval;
Approve the next batch of loan letters;
Go to the local construction Committee for mortgage registration, and the construction Committee will issue his right certificate;
About the number of branches;
Bank loans;
Post-loan review of banks;
The borrower repays the principal and interest.
note:
If the house is mortgaged, the longest credit period is 30 years, and the following conditions must be met: first, the borrower's age+credit period ≤60, which meets the "double-excellent" individual customer standard stipulated in the Relevant Provisions on Simple Credit Rating of High-quality Individual Customers in Advantageous Industry Units issued by the bank, and the borrower's age+credit period ≤ 70; 2. Service life of the house+credit period ≤40. On this basis, combined with the liquidity of the collateral and the repayment ability of the borrower, the credit term is comprehensively determined.
If the commercial house is used as collateral, the longest credit period is 5 years, and the service life of the commercial house+credit period ≤30 years must be met.