What is the collateral of off-site mortgage loan? If it is a real estate, the mortgage of the real estate cannot be operated in different places. If it is a car, you can apply for a remote mortgage loan, and you need to mortgage the car, and the market value of the car is higher than the loan amount.

The car mortgage process is as follows:

The customer provides the information of the mortgaged vehicle;

The appraiser of the borrower evaluates the vehicle to be mortgaged;

The borrower and the lender negotiate the value of the mortgaged vehicle;

The borrower and the lender sign a vehicle mortgage contract and notarize it at the same time;

The borrower and the lender go to the vehicle management office for mortgage registration and relevant certificates;

The lender drives the vehicle to the parking lot designated by the borrower, and the borrower draws up a receipt list and pays the mortgage amount at the same time;

After the mortgage expires, the lender and the borrower go through the repayment and mortgage cancellation procedures, repay all the loans, and cooperate with the borrower's vehicle management office to go through the mortgage registration cancellation procedures and get the car keys;

After the loan expires, the mortgage will be released.

2. Which bank in Guilin can mortgage real estate for about 8- 10 years?

Banks usually have mortgages. Please consult the bank staff for details.

Real estate mortgage loan process:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank face to face;

4. Bank filing and approval;

5. After the approval of the bank, notify the borrower of the approval result and contract;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank directly transfers the loan to the account agreed in the contract;

10、。

3. Which bank can mortgage the property?

Real estate mortgage refers to the borrower applying for a loan from the loan bank with real estate as collateral, but the borrower needs to pay interest and repay the principal at the agreed time. So which bank can mortgage the property?

Which bank can mortgage the property?

All major commercial banks can apply for real estate mortgage loans, but they need to meet the loan conditions. Generally, applying for a mortgage loan requires a legal ID card, a stable source of income and the ability to repay the principal and interest of the loan; You can't have a bad credit record. In order to have a valid and legal purchase contract, it is necessary to provide a marriage certificate. Married, you need to provide your spouse's ID card and household registration book.

Bank loan process

1. The borrower applies for a loan.

Borrowers need to submit a written application to the loan bank before they want to borrow money; The application contents include: loan amount, purpose, repayment ability and repayment method, and learn to provide relevant information to the bank, including: ID card, household registration book, house purchase contract or real estate license, marriage certificate, income certificate and so on.

2. The bank accepts the approval.

After providing the information, the bank will examine and approve whether to grant the loan.

3. Sign a loan contract

When the bank approves the loan, it will inform the borrower to find the bank's former enemy "loan contract". When signing a contract, it will stipulate the loan type, purpose, loan amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liability for breach of contract, etc. The signing date of this contract is the effective date.

4. Issuance and recovery of loans

After the contract is signed, the bank will lend money at the time agreed in the contract, and the interest will be calculated from the date of withdrawal. After receiving the loan, the borrower shall abide by the loan contract and use the loan according to the purposes and methods agreed in the contract. After the loan expires, the borrower shall repay the loan principal and interest in full and on time according to the time agreed in this contract.

Bian Xiao concluded: The above is about which bank can mortgage real estate loans. Through the above content, we also understand the bank's loan process, hoping to help you.

4. Which bank has the lowest interest rate for mortgage house?

When the interest rate of state-owned joint-stock banks is low, the bargaining space of local banks' interest rates will be greater. The interest rate of bank loans can fluctuate under the guidance of the central bank, but the difference is small.