How to apply for a mortgage loan?
1, select the lending institution.
Although when it comes to loans, everyone will think that bank loans are safer and more secure, but the approval speed and loan requirements of bank loans 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. Submit application materials
The funds for housing mortgage loans can be prepared in advance, and after selecting an institution, the applicant can submit an application with the materials needed by the applicant. 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. Audit of lending institutions
If the application materials for mortgage loan have been submitted, you can wait for the audit results of the lending institution. At this stage, there is basically nothing for buyers. The loan will conduct a preliminary review of the basic materials we submitted before, and the review meets their requirements.
Step 4 evaluate
Real estate appraisal will generate appraisal fees, which are generally around three thousandths to five thousandths. The fees will be collected in a progressive way (that is, the fees will be divided according to the original book value of the appraised property, and the fees will be calculated by grades, and the fees will add up to the total appraisal fees). The fees charged by different households are not necessarily the same, and the fees charged by different regions are also different.
5. Sign a real estate mortgage loan contract
After the borrower's loan application is approved, the lending institution will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract.
6. Mortgage registration and loan.
Mortgage registration shall be handled at the Housing Authority where the house is located. The materials to be prepared include: applicant's identity certificate, marital status certificate, application for housing registration, house ownership certificate or real estate license, state-owned land use certificate, mortgage contract and principal creditor's rights contract, and other necessary materials. When all the previous procedures are completed, the borrower can wait for the loan.
What problems should be paid attention to when handling housing mortgage loans?
1, clear property rights.
A mortgage is based on a house. The property right of the house should be clear, and it should meet the conditions stipulated by the state that it can be traded in the real estate market, and it can enter the real estate market, and the loan has not been approved before. In addition, it should be noted that the age of the house plus the loan period cannot exceed 40 years.
2. Requirements of the Borrower
Housing mortgage loan will also involve the problem of monthly repayment in the future, so the lending institution will review the borrower's repayment ability, and the borrower should have stable economic income, good credit and repayment ability; No record of illegal acts and overdue repayment; It can provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage loan.
To sum up, this paper mainly talks about how to handle mortgage loans and what problems should be paid attention to in handling mortgage loans. It seems that our loan process can be referenced, but most of them are handled in accordance with the regulations of our loan bank, but these problems cannot be changed. I hope everyone will protect their property.