To apply for a bank mortgage, you must have collateral, and a house mortgage must have a real estate license. There are several ways to obtain bank loans from real estate licenses:

1. Application: The borrower applies for a loan from the bank and provides the required relevant information.

2. Housing appraisal: The mortgaged house is appraised by the appraisal institution designated by the bank, and the borrower can borrow 80% of the appraised value of the house.

3. Review: The bank reviews relevant information to confirm the borrower's loan qualification.

4. Sign a contract: sign a loan contract after the bank reviews it.

5. Mortgage registration: The borrower goes to the local housing management department for mortgage registration.

6. Lending: The bank will lend money within 3 working days after obtaining other mortgage certificates.

7. Repayment: The borrower repays in time.

What should I pay attention to when handling mortgage?

Pay attention to credit review: when evaluating the borrower's repayment ability, the bank will comprehensively consider his real estate, income, occupation, credit record, industry, education and many other factors to determine whether he is qualified. In addition to paying attention to the housing certificate, we should also look at the borrower's occupation and income.

Loan documents should be complete: for personal consumption loans of general banks, the borrower must provide ID card, household registration book, residence permit, marriage certificate, valid income certificate (tax bill, salary slip, salary passbook) and other valid income certificates (monetary income such as funds and stocks). Families applying for personal consumption loans must submit proof of spouse to the bank.

The loan amount should be clear: guaranteed by personal credit or joint liability, the maximum loan can be 500 thousand yuan; With personal residence as collateral, the loan amount shall not exceed 70% of the total assets of the collateral; With personal residence as collateral, the loan amount shall not exceed 60% of the collateral.

Pay attention to repayment methods: for personal consumption loans, banks usually provide two repayment methods: one is equal principal and interest, the other is equal principal and interest, but it is the same every time, and the repayment pressure is relatively uniform; Average capital's installment repayment is gradually decreasing. Although the total interest expenditure is lower than the equal principal and interest, you should think twice about the initial repayment amount.