Ask the bank?

There are [1] copies of the housing mortgage loan conditions (1) that are legal;

(2) Have 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.

Edit the mortgage loan application materials in this paragraph 1. Property certificate (the property certificate and land certificate in the mortgage bank loan must be mortgaged to the bank).

2. Identity cards of the obligee and his spouse

3. Household register of the obligee and spouse

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )

6. If the property owner has minor children, please provide birth certificate.

7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.

8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )

Loan process

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by 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.

Second, how to apply for Zhuzhou real estate mortgage loan, and what is the process of applying for real estate mortgage loan?

Generally speaking, the first condition to apply for a real estate mortgage loan is:

(1) The borrower has legal status;

(2) The borrower has a stable economic income, the ability to repay the loan principal and interest, 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) Housing mortgage loan has been purchased and handled, the original housing 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 property 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.

Materials to be submitted when applying for real estate mortgage:

1, real estate license (the real estate license and land certificate in mortgage bank loans must be mortgaged to the bank).

2. Identity cards of the obligee and his spouse.

3. Household register of the obligee and spouse.

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).

5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )

6. If the property owner has minor children, please provide birth certificate.

7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.

8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).

The process of real estate mortgage loan:

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

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

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over 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).

Third, Zhuzhou Housing Bank mortgage loan.

2860% =168,000 yuan, and you can borrow about160,000 yuan!

Fourth, Zhuzhou Housing Bank mortgage loan.

Ccb.