The process of housing mortgage loan is as follows: 1. Both parties shall conclude a mortgage contract in writing; 2. Bring the loan contract, real estate license, ID card, household registration book, marriage certificate or single certificate to the housing registration agency where the house is located to apply for mortgage registration; 3. The principle of effective registration shall be adopted for house mortgage, and the mortgage right shall be established at the time of registration. In accordance with the provisions of Article 402 of the General Principles of the Civil Law of People's Republic of China (PRC), if the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 of this Law is mortgaged, the mortgage registration shall be handled. The mortgage is established at the time of registration. Article 410 Where the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the mortgaged property or give priority to compensation with the price of auction or sale of the mortgaged property. If the agreement harms the interests of other creditors, other creditors may request the person to cancel the agreement. If the mortgagee and the mortgagor cannot reach an agreement on the way to realize the mortgage, the mortgagee may request the mortgagee to auction or sell the mortgaged property. Where the mortgaged property is discounted or sold, it shall refer to the market price.
Two, how to apply for mortgage bank loans, what conditions can be handled, what information needs to be provided. ...
65,438+08 years old, have their own property rights, that is, real estate license, land certificate, work unit, income certificate issued by work unit, their own savings card, household registration book, ID card and marriage certificate, and apply directly to the bank mortgage department. The loan interest rate is generally 1.3 times the benchmark loan interest rate, that is, 7.05% 1.3.
3. How to apply for a mortgage loan? Many people don't know yet.
Generally speaking, many families will have difficulties. At this time, if the family owns real estate, applying for a mortgage loan is a solution. Some people have caused a lot of trouble when they apply for mortgage loans because they don't know the specific audit criteria in advance. Next, Bian Xiao tells everyone how to deal with mortgage loans.
1, select the lending institution.
If you want to apply for a mortgage loan, you must first choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a problem. Although the interest rate of private lending is high, the audit requirements are low and the processing speed is fast. Therefore, choosing the right lending institution is a crucial step in the whole loan process.
2. Write an application and submit materials
After selecting an institution, you can submit the materials needed to apply for the institution.
The borrower needs to prepare: valid identity documents, household registration books and marriage certificates of the borrower and his spouse; Personal income certificate; Certificate or statement of loan use; Proof of ownership of mortgaged property; Other documents or materials required by the lending institution.
3. First trial
The bank conducts the preliminary examination, which is basically nothing for us. The loan will conduct a preliminary review of the basic materials we submitted before, and the review meets their requirements.
Step 4 evaluate
Generally, lending institutions, especially banks, have to go to designated or recognized appraisal institutions for appraisal. Appraisal fees, usually around 0.3% to 0.5%, are charged in a progressive way (that is, the fees are divided according to the original book value of the appraised property, and the fees are calculated by grades, and the total fees for appraisal are added together). The fees charged by different households are not necessarily the same, and the fees charged by different regions are also different.
5. Approve loans and sign contracts
Lending institutions will re-examine according to the materials and evaluation reports submitted before, and will communicate with you about the loan amount, interest rate, term, repayment method and other issues if they pass the examination. After communication, you can sign the contract.
Contracts include loan contracts and mortgage contracts. The contract needs notarization, and the notarization fee is generally about 1% of the house value, not higher than 1%.
6. Apply for mortgage registration
Mortgage registration shall be handled in the Housing Authority where the house is located, and the materials to be prepared include: the applicant's identity certificate and marital status certificate; Application for housing registration; Property certificate or property ownership certificate (other * * * mortgage consent certificates must be submitted for some houses); State-owned land use certificate; Mortgage contract and principal creditor's rights contract; Other necessary materials; Buy insurance.
Some banks will require borrowers to purchase mortgage property insurance. The first beneficiary of the insurance is the bank, and the amount and date of underwriting shall not be the amount and term of the mortgage loan. Of course, I pay for insurance myself.
7. Loans
Finally, wait for the loan.
In practice, some people feel that their houses are in a good location and the market price is high, so they can definitely apply for mortgage bank loans from banks. Actually, it's not. Property buyers should be aware that not all houses can be used to mortgage bank loans. Applicants should have spare rooms, and provide repayment sources and loan purposes, such as personal running water, invoices, etc. , must be indicated.