The object of insurance, that is, the owner of the house with mortgage loan, as a kind of property insurance, is mainly the house purchased with mortgage loan; Other related properties attached to the house due to decoration and purchase are not covered by insurance; The term of mortgage insurance is the same as that of loan. During the mortgage period, if the borrower interrupts the insurance, the loan bank has the right to provide insurance on behalf of the borrower, and all expenses shall be borne by the borrower; The insurance amount and insurance premium of mortgage insurance are determined by the fixed price of the house purchased, and the insurance premium is charged once a year. Second, what materials are needed for real estate mortgage loan?

The required materials are as follows:

1. Original and photocopy of real estate license and state-owned land use certificate;

2. Original property mortgage contract;

3. The identity certificate or legal person qualification certificate of the mortgagor;

4. Power of attorney (when entrusting others to handle it);

5, real estate mortgage registration application (provided by the mortgage registration department);

6. Marriage certificate or divorce certificate, etc.

7. Other materials that need to be proved.

Loan terms:

(1) has legal identity;

(2) It has a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) There is a legal and effective purchase contract;

(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

(5) If a house mortgage loan has been purchased, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the house ownership certificate, and the age of the house is within 10 years;

(6) Being able to provide effective guarantee recognized by the loan bank;

(7) Other conditions stipulated by the lending bank.

Third, what is the company's real estate mortgage loan process?

1, application;

2. Inspection: check the operation, financial status, mortgaged assets, tax payment, credit status and business owners of the enterprise, and initially determine whether to guarantee;

3. Communication: communicate with the loan bank to clarify the amount and duration of the loan to be granted by the bank;

4. Guarantee: determine legal procedures such as guarantee and counter-guarantee agreement, asset mortgage and enterprise registration, sign guarantee contracts with loan banks, and formally establish guarantee relations with banks and enterprises;

5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantee, and at the same time collects guarantee fees from enterprises;

6. Tracking: directly track and check the operation status of the enterprise through the quarterly tax payment, electricity consumption and cash flow increase and decrease;

7. Prompt: Prompt in advance one month before the enterprise repays the loan;

8. Cancellation: Cancellation of mortgage registration with the bank repayment form of the enterprise;

9. Record: record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, and provide credit records for subsequent guarantees;

10. Filing: sorting, filing and sealing various agreements signed with banks and enterprises, as well as vouchers after loan repayment and vouchers for cancellation of guarantee, for future reference.