Mortgage process: (1) The buyer and the seller sign a house sales contract, stipulating the down payment, loan and final payment;

(two) the buyer and his spouse apply for a loan from the bank, and the seller and his spouse shall be present to confirm;

(three) the bank to investigate and approve the loan application;

(four) the buyer and the bank signed a loan and guarantee contract;

(5) The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

(six) the purchaser and the bank for real estate mortgage registration (or other natural persons and legal persons to provide phased guarantee for the purchaser);

(7) Bank loan in the seller's account;

(eight) the buyer and the seller handle the real estate settlement, and the seller obtains the final payment from the buyer;

(9) The purchaser takes back the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).

Second, what is the process of handling real estate mortgage loans?

operating procedure

Borrower's pre-loan consultation: fill in the Application for Mortgage of Residential Houses and submit the following supporting materials from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); ② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

house property mortgage

Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed. When the debtor fails to perform the debt, the creditor has the right to dispose of the mortgaged house according to law, and has the right to receive priority compensation for the proceeds from the disposal of the mortgaged house. The party who provides the mortgaged house is called the mortgagor, and the original creditor who accepts the mortgaged house is called the mortgagor. The mortgagor of a house must have full capacity for civil conduct, and a person without capacity for civil conduct or with limited capacity for civil conduct may not set up a house mortgage.

(Source: Baidu Encyclopedia-Real Estate Mortgage)

3. What is the process of starting a real estate mortgage loan company?

Real estate mortgage loans are usually handled by individuals and enterprises. Personal mortgage loans are very common. When many people in the world apply for personal mortgage loans. I don't know what the specific requirements are What kind of information and detailed process are needed. Then, let me give you a detailed introduction.

Use personal real estate mortgage loan. Personal real estate mortgage loans can be divided into personal consumption loans according to different purposes. Personal commercial loans and personal consumption loans refer to loans issued by banks to their lenders. Loans granted to individuals for purchasing consumer goods or other consumption. Personal business loan refers to the money paid by the bank to the borrower for the flow of personnel. Business activity loans sufficient to eat or update legally produced business equipment.

A natural person with full civil capacity. Second, people should have certain repayment ability and good credit status at present. The third point is to apply for local real estate, which can be mortgaged at four o'clock. Clear property rights. Strong liquidity. Fifth, the willingness to repay is good. Give me some other conditions stipulated by the bank.

Self-employed loan applicant 18 to 60 years old, with full capacity for civil conduct. Second, the applicant is a local and may have a valid local residence certificate. There is an actual business place. You said at three o'clock that you can resist LCD, and you are in good condition. Have enough ability to repay the loan. Your four-point applicant must be an individual industrial and commercial operator. Solely-owned enterprise, the main partner of the partnership riding limited liability company. Major natural person shareholders and legal persons. Reduce other loan conditions stipulated by banks and loan companies.

I want to mortgage the real estate in Hangzhou to do business. Is there any process?

Hello, the detailed process of housing mortgage loan:

1. Apply for a loan

The purpose, amount and duration of the borrower's application for a loan from a financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Submit loan information

Submit application materials, including but not limited to the following contents (depending on the specific provisions of each bank's products): borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.

If an enterprise needs to mortgage real estate, the materials it needs to provide include: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the last six months, financial statements of last year and the last six months, and asset certificates (different materials will be provided according to different banks).

This link is a very important link in the process of real estate mortgage loan, because many customers are in urgent need of money when lending. If these materials can be prepared in advance, it will save a lot of trouble.

3. House evaluation

After the materials are submitted completely, the bank will conduct on-the-spot investigation and evaluation according to the mortgaged house. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.

Step 4 apply for a loan

The housing appraisal company submits the appraisal report or appraisal opinion to the bank for approval.

5. Sign a loan contract

The borrower and the lending institution shall sign and seal the loan contract and all relevant documents, which shall be notarized by a notary.

6. Mortgage registration procedures

The bank shall go through the mortgage registration formalities at the real estate office with the house ownership certificate and notarized loan contract.

7. Bank loans

Due to the different regulations of banks, loans will be made to the accounts of cooperative merchants in the form of cash, punch card or remittance.

8. Repay on time

This point can not be ignored, it is an important link to establish a good credit, and if it is repaid in full and on time, it will play a positive role in promoting the borrower to borrow again and find a job in the future.

9. After the loan is settled, go through the mortgage registration cancellation procedures.

Note: After the loan is settled, the mortgage cancellation formalities shall be handled at the Real Estate Bureau. The loan process in Hangzhou is as follows: 1. Loan application: the borrower puts forward the purpose, amount and time of the loan and submits the loan materials, including: ID card, household registration book, income certificate, loan purpose certificate, marital status certificate, house ownership certificate, owner's and spouse's ID card, household registration book and marital status certificate.

2. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses;

3. Loan approval: submit all loan application materials together with evaluation reports or opinions to the bank for approval;

4. Notarization of loan contract: after the borrower and the mortgagor fill in (loan contract) and all relevant documents, they will be notarized by a notary;

5. Mortgage registration procedures: the bank shall go through the mortgage registration procedures at the property right office with the house ownership certificate and notarized loan contract;

6. 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).

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!