What is the process of mortgage bank loans? It refers to the borrower applying for a loan with the purchased commercial house as collateral to meet various consumer needs such as housing decoration, car purchase, large-scale durable consumer goods, education, tourism, and mobile demand of enterprises. At present, with the central bank raising interest rates and tightening bank loans, many homeowners who invest in real estate either choose to sell their houses or take them to bank mortgages. So how to make a mortgage loan? Next, Guo Xin Anbang will give you a detailed introduction to the mortgage bank loan process. Steps/methods of mortgage bank loans: loan application: the borrower proposes the purpose, amount and time of the loan; Preparation of loan materials: the borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including: my spouse's ID card, household registration book, income certificate, personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and marital status certificate for house inspection and evaluation: relevant institutions conduct on-the-spot investigation and evaluation (investigation) of mortgaged houses; Loan approval: submit all loan application materials together with the evaluation report or opinion to the bank for approval; Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary; Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract; Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).
Second, the e-loan mortgage process of rural commercial banks?
The housing loan process of rural commercial banks is as follows: 1. The borrower needs to submit written documents to the housing management department when applying for housing mortgage loan, and the real estate appraisal agency will review the application materials submitted by the applicant.
2. After the borrower submits the written documents, the property (collateral) will be used as the pledge and handed over to the lender to open a current deposit account in the bank.
Three. The Lender shall go through relevant formalities at the entrusting bank. Four, the applicant to provide materials to the entrusted bank for the corresponding loan procedures.
Five, the borrower to apply for real estate mortgage loans need to submit written documents to the housing management department and send their information to the company or law firm to sign a loan contract.
3. What procedures do I need to go through after the mortgage is paid off?
Legal analysis: firstly, the mortgage loan will go through the cancellation procedures of the mortgage right with the borrowing bank, and secondly, the deposit will be returned to the insurance company to collect the corresponding insurance premium; 2. The loan period has been handled, and he can take it to the window of the administrative service center to handle it; 3. When banks handle housing loans, they generally register the real estate as pawns, which are bound to the sale and re-pawning of the real estate. After the loan is paid off, before the owner has full ownership of the property, it is necessary to register the property rights.
Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party does not transfer the possession of the property, but mortgages the property to the due debt or realizes the mortgage according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party mentioned in the preceding paragraph is a creditor, and the property provided as security is collateral.
4. What are the procedures for applying for a mortgage loan?
_ Housing mortgage loan conditions: 1. Household registration book (husband and wife) 2. Id card (husband and wife) 3. Marriage certificate 4. Personal assets or financial proof, such as bank passbook, car driving license, etc. 5. Loan application (loan purpose/amount/year/repayment source) 6. House ownership certificate. Work income proof (husband and wife) method/step 1. 1, real estate license or house ownership certificate, land use right certificate; 2. ID cards, household registration books and marriage certificates of both husband and wife of the borrower (singles need to be issued by the local civil affairs bureau); 3. Income certificate (official seal required). The second step is to evaluate the house. Evaluate according to the location, floor, area and orientation of the collateral. Houses can generally be loaned to 50-90% of the assessed price. Step 3: Sign the contract in person at the bank. 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. The fourth step is 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. _ Step 5: Lend money. After the mortgage registration, the bank can issue loans to the borrower's personal savings account. Note: mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings. General real estate mortgage loans need to be handled by professional real estate guarantee companies. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, with a view to revitalizing the real estate held by residents. Moreover, among various financing channels, real estate differential mortgage loan is still one of the lowest cost ways. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. The mortgage interest rate of each bank is different, and the loan interest rate in different regions may be different. The specific interest rate needs to be consulted with the local bank. Choice of interest rate: provident fund loan is the first choice for commercial housing or affordable housing loans, and the loan interest rate is the lowest. But when buying a house, you should ask whether the developer has signed a contract with the fund management center, otherwise you can only apply for a commercial loan. _ Signing a house purchase contract: When signing a house purchase contract, it depends on whether the signed contract is a commercial house purchase contract or an affordable housing contract jointly supervised by the Real Estate and Housing Bureau and the Industrial and Commercial Bureau, otherwise, you cannot apply for a house ownership certificate or apply for a loan.