Now most people buy new houses with bank loans. After all, the payment for a house is far beyond people's affordability. So what is the process of real estate mortgage loan and what are the application conditions of real estate mortgage loan? Do you know that?/You know what? Now let's have a look.
I. Real estate mortgage loan process
1. The borrower shall prepare ID card, household registration book, house purchase contract and other materials;
2. Go to the bank to print the bank statement for half a year;
3. Apply for a loan from the bank, and the loan amount cannot exceed 70% of the total real estate;
4. The bank will review the materials and go through the relevant lending procedures after passing them;
5. The bank keeps the real estate license and lends it to the developer.
Second, the application conditions of real estate mortgage loans
1. Individuals applying for loans must have civil capacity and be between18 and 65 years old. If the borrower is a foreigner or a resident of Hong Kong, Macao and Taiwan, it is also required to provide proof that he has lived in China for 1 year and has a fixed residence and work.
2. Individuals applying for loans must have legal household registration certificate, marital status certificate and ID card. If you are not married, you need to go to the marriage office to issue an unmarried certificate.
3. Individuals applying for loans must have good credit records and repayment willingness. If there is a credit problem, it is best to eliminate it in advance.
4. Individuals applying for loans need to have stable working income and the ability to repay the principal and interest on time.
5. The mortgage resources provided by individuals applying for loans are legal and effective, and the housing is very reliable.
6. Individuals applying for loans need to open personal settlement accounts in bank cards.
7. Other conditions stipulated by the bank.
Regarding the process of real estate mortgage loan and what conditions are needed for real estate mortgage loan, I will introduce it here first. Are you clear? If you need to apply for a real estate mortgage loan, you need to prepare all the materials and be able to repay them, otherwise the pressure will become very great in the later period.
Housing mortgage loan handling process
The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.
Housing mortgage loan process
Bank real estate mortgage loan process: 1, first sign loan contract and mortgage contract with the bank; 2. The mortgagor carries the loan contract, house property right certificate, ID card, residence booklet, marriage certificate or single certificate to the house registration agency where the house is located to apply for mortgage registration to the bank staff; 3. The mortgage contract shall take effect from the date of registration; 4. After the mortgage registration formalities are completed, the bank will issue the loan to the borrower.
Second, what are the conditions for the real estate mortgage contract to take effect? 1. The real estate mortgage contract is a slave contract, and the premise for the real estate mortgage contract to take effect is that the secured master debt contract takes effect. 2. The real estate mortgage contract is a civil legal act. The premise of its effectiveness is that it does not violate the relevant laws and regulations, and it is an effective civil legal act. 3. The real estate mortgage contract shall take effect from the date of mortgage registration. However, it is worth noting that in practice, only handing over the certificate of real estate ownership will generally not make the real estate mortgage contract effective. However, if the parties fail to register the mortgaged property due to the reasons of the registration department, and the mortgagor delivers the certificate of rights to the creditor, it may be determined that the creditor has the priority to be compensated for the property. In other words, it can be concluded that the real estate mortgage contract is valid, but it cannot be against a third party.
Legal basis: Article 402 of the Civil Code of People's Republic of China (PRC) mortgages 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, and shall go through the mortgage registration. The mortgage is established at the time of registration.
What is the process of mortgage loan with house?
Many people buy houses through mortgage loans to ease their financial pressure, but many friends don't know much about the process of mortgage loans, so what is the process of mortgage loans? Let's take a look with Bian Xiao. What is the mortgage loan process of rn? The process of applying for housing mortgage loan in rn is as follows: rn 1. When submitting a loan application to a bank, the purpose, amount and term of the loan shall be clearly stated. Rn2。 Submit loan information rn( 1) If an individual applies for a house mortgage loan, he/she needs to provide the following information: the lender's ID card, running water in the last six months, work certificate, credit report, real estate license, etc. Rn(2) When an enterprise applies for housing mortgage loan, the materials it needs to provide include: business license, articles of association, capital verification report, purchase and sale contract, annual financial statements of the previous year, financial statements of the previous year and relevant assets certificates. Rn3。 After all the above-mentioned required materials stipulated by rn Bank are handed in, the loan bank will conduct on-the-spot investigation and evaluation of the mortgaged property. Rn4。 Rn housing appraisal company applying for loan will submit the housing appraisal report or appraisal opinion to the loan bank for approval. Rn5。 Signing a loan contract rn Lender and the loan bank shall sign the loan contract and all relevant documents, which shall be notarized by a notary. Rn6。 Mortgage registration procedures rn loan bank shall go through the mortgage registration procedures at the real estate office where the house is located with the house ownership certificate and notarized loan contract. Rn7。 Bank Lending rn Because the regulations of different banks are different, the lending bank will issue loans to the developer's account in the form of cash, punch card or remittance. Rn Tips: At present, the bank's housing mortgage loans are divided into: self-owned property and mortgaged property mortgage loans. The interest rates of these two loans are different. Mortgage interest rates of mortgaged property is generally higher than that of self-owned property. Therefore, property buyers should understand clearly before handling mortgage loan procedures to avoid problems when handling them. The above rn is an introduction to what is the mortgage loan process, and friends who want to use mortgage loans can learn more about it. Before using a house to mortgage a loan, you must understand the relevant process of using a house to mortgage a loan and prepare the required materials and documents.
How to apply for a mortgage loan
Mortgage with a house, usually the whole process has nine steps, as follows:
1. Apply to the bank
The borrower applies to the bank for a housing loan, explaining the purpose, amount and mortgaged house of the loan. If the application meets the requirements of the bank, the bank loan specialist will tell the borrower the specific procedures and what materials need to be prepared.
2. Submit loan information
Submit the loan application materials according to the requirements of the bank, usually including the borrower's ID card, bank account, personal credit report, homeowner's real estate certificate, etc.
3. Actual evaluation of house value.
After the bank lends the information, the bank will make on-the-spot investigation and evaluate the value. According to the location of the house and the surrounding environment, give a reference price and how much the house is worth.
4. Lending approval
The bank will submit the housing appraisal report and the previous personal application materials to the bank for loan approval, and give approval on whether and how much loans can be made according to the housing value and personal repayment ability.
5. Sign a loan contract
After the first trial of the loan is passed, the bank informs the borrower to sign a formal loan contract, which needs notarization.
6. Go through the mortgage registration formalities
Go to the real estate center for mortgage registration with different property rights and loan contracts.
7. Bank loans
After the above procedures are completed, the bank will transfer the loan to the borrower's personal bank card.
8. Repay on time
According to the loan contract, the repayment shall be made on time and shall not be overdue.
9. Go through the mortgage cancellation procedures.
After the house loan is paid off, the bank should issue a settlement certificate and go through the mortgage cancellation procedures at the real estate center.
The above nine steps are the whole process of mortgage loan. Under normal circumstances, it is handled in accordance with the above process, and individual banks will have small differences, but they are all similar.
This is the end of the introduction of the mortgage loan process with real estate. What is the mortgage loan process? I wonder if you found the information you need from it?