1. How to apply for a housing mortgage loan?

Submit loan application; submit loan information, prepare ID card, statement of record for the past six months, work certificate, credit report and house ownership certificate, etc.; house inspection and evaluation: apply for loan approval; borrower and lending institution Sign the loan contract and all related documents; go through the mortgage registration procedures; bank loans; and handle the mortgage registration and cancellation procedures after the loan is settled.

2. What is the process of real estate certificate mortgage loan?

1. The borrower prepares relevant information: Before the loan, the borrower needs to provide a lot of information to the bank, including ID card, Household registration book, marriage certificate, real estate certificate, house purchase contract.

2. Bank statement: Depending on the value of the house, the bank's mortgage limit is also different. In addition to the need to mortgage the real estate certificate, the bank also needs to mortgage the real estate certificate. Good risk aversion also requires the borrower to have good credit and financial strength, so most banks will require borrowers to provide bank statements of their personal accounts in the past six months.

3. Apply for a loan from the bank: The housing loan amount is generally more than 5,000 yuan and less than 70% of the property value. The expected annualized interest rate of the loan will be increased by a certain percentage based on the central bank's benchmark expected annualized interest rate. The loan period is generally from 5 to 30 years. The repayment method generally has two methods: equal principal and interest, and equal principal. The former has less repayment pressure in the early stage, and the latter The repayment pressure in the later period is less, and borrowers can flexibly choose according to their own circumstances.

4. Bank review of mortgage loan: After applying for a home loan, the bank begins to review the borrower's qualifications.

5. After passing the bank review and completing relevant procedures: After the bank passes the borrower's mortgage review and agrees to approve the loan, the borrower needs to go with the bank clerk to the local maternity housing management department at or above the county level to register the mortgage. formalities.

6. The bank obtains the real estate certificate and lends money: After the above procedures and processes are completed, the bank will lend money to the borrower. However, since it is a housing loan, generally speaking, the bank's loan will be directly transferred to the account of the real estate developer and will not be directly distributed to the borrower.