1. Submission;
2 housing transaction hall acceptance materials;
3. Get the certificate in ten working days.
When handling the registration of real estate mortgage, both parties to the mortgage shall carry the following relevant legal documents:
1, copy of business license; 2. The identity certificate or legal representative certificate of the mortgagor; 3. If it is handled by an agent, there shall be a power of attorney from the legal representative or the party concerned; 4. Loan contract (master contract); 5. Mortgage contract; 6. Proof of property right of collateral (including "State-owned Land Use Right Certificate" and "House Ownership Certificate"); 7. If the collateral belongs to a joint venture or joint-stock company, there shall be a resolution of the board of directors agreeing to mortgage; 8. If the mortgage is repeated, a written document of the original mortgagee's consent to mortgage again shall be provided; 9. If * * * has real estate mortgage, all written documents agreed by * * * shall be provided; 10. The mortgagor shall have written documents to prove that the collateral provided by him is free from legal defects; 1 1. Other legal documents related to mortgage.
Housing mortgage loan 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.
Conditions and process of housing mortgage loan
Housing mortgage loan handling process
1. Apply for a loan: the purpose, amount and duration of the borrower's application for a loan from a financial institution.
2. Submit loan information: borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.
3. Appraisal of the house: After the submitted materials are complete, the bank will conduct on-the-spot investigation and appraisal 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 house mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.
4. Apply for a loan: The housing appraisal company submits the appraisal report or opinion to the bank for approval.
5. Signing a loan contract: The borrower signs a loan contract and all relevant documents with the lending institution, signs them and prints them with their fingerprints, which will be notarized by a notary.
6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures at the real estate office with the house ownership certificate and notarized loan contract.
7. Bank lending: Due to different bank regulations, loans will be made to the cooperative merchant's account in the form of cash, punch card or remittance.
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