1. Prepare the originals and photocopies of real estate license, ID card, marriage certificate, income certificate and social security details;

2. Make an appointment with the bank and sign a mortgage loan contract;

3. After the mortgage is approved, go to the housing exchange for mortgage registration;

4. Go to the Housing Fair with the registered property right certificate of mortgage, and then send it back to the bank for loan;

The mortgage loan will be completed in about one month.

Mortgage cancellation refers to the act of canceling the mortgage of collateral by repaying loans and other forms.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:

(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;

(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;

(3) if there is a maximum mortgage, it must exceed the maximum payment;

(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.

It must be an enterprise or institution as a legal person that has been approved and registered by the administrative department for industry and commerce, and has gone through the formalities of tax registration and annual inspection as required; Products have a market, and production and operation are profitable. Do not misappropriate credit funds and abide by credit;

It has the ability to repay the principal and interest on schedule, and the original loan principal and interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the bank has been formulated; According to the Standard for Credit Rating of Banking Enterprises, in principle, the credit rating must be above A;

Basic account or general deposit account has been opened in the bank;

Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets;

The borrower's operating and financial systems are sound, and its main economic and financial indicators meet the requirements of the bank;

Projects applying for medium-and long-term loans must be approved by the competent department of the state, and the proportion of the owner's rights and interests of enterprises as legal persons in the total investment of new projects shall not be lower than the capital ratio of investment projects stipulated by the state.

The property as collateral must comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC), and the mortgagor must enjoy the ownership or disposal right of the collateral according to law, and clearly express to the bank that he is willing to use the collateral to provide guarantee for the debtor.

With real estate mortgage, the mortgage rate shall not exceed 70%; Mortgaged by means of transportation, general mechanical equipment and tools, the mortgage rate shall not exceed 60%; With special machinery and equipment and tools, intangible assets (including land use rights) and other property mortgage, the mortgage rate shall not exceed 50%.