Mortgage loan should evaluate the nature of the house. In general, it is best not to mortgage the house for more than 15 years. In addition, whether your house is still mortgaged, the house in the mortgage repayment period can no longer be mortgaged! Generally, it takes two months at the earliest to approve the mortgage, and half a year is possible if it is slow! Housing mortgage payment is to borrow money from the bank with real estate as collateral. Generally, as long as you have the ability to repay, you can borrow money. 1. Your house is collateral for the mortgage loan. You need to have a regular job to repay your loan. 3. Looking for commercial banks such as China Merchants Bank and Development Bank may have a lower threshold for your income. 4. The loan amount is 50% of the amount assessed by the bank. The appraisal is conducted by an appraisal company designated by the bank. The evaluation value is generated according to your age, supporting facilities, popularity of residential projects and other related factors. The general evaluation price is.

Second, how to handle Wuhan real estate mortgage loan?

Real estate mortgage loan process:

1. The borrower opens a current deposit account in the bank;

2. Prepare loan requirements

3. Sign the bank face to face;

4. Bank filing and approval;

5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee

7. The Project Construction Committee issues his right certificate;

8, according to the situation of insurance, publicity.

9. The bank directly transfers the loan to;

10, the borrower according to the loan contract

3. What is the process of mortgage loan for second-hand houses in Wuhan?

The mortgage loan process of second-hand houses in Wuhan is as follows: 1. Choose mortgage service company and loan scheme. Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan. 2. Inquiring about the provident fund (if provident fund loans are needed) After confirming the intention of buying a house with the seller, the borrower provides the provident fund account number, and the mortgage service company inquires about the provident fund to determine the loan amount and loan term. 3. Sign a house sales contract, and the borrower and the seller sign a house sales contract. Due to the different requirements of the trading center, the houses in Jiang 'an, Jianghan, Qiaokou and Hongshan need to be transferred to the trading center in this area after the contract is signed. 4. Prepare loan information and review loan eligibility. 5. Sign loan agreement, notarization and insurance. The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. 6. Handle the house transfer and mortgage procedures. The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company. 7. Apply for real estate license and mortgage certificate. After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank. 8. Bank loans. After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower. For more mortgage loan procedures of second-hand houses in Wuhan, please go to:/ask/761f3e1615837854.html? Zd view more content

4. How to handle Wuhan real estate mortgage loan?

Wuhan personal real estate mortgage loan process:

1. loan application: the borrower proposes the purpose, amount and term of the loan;

2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including my spouse's ID card, household registration book, income certificate, corresponding personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status;

3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses;

4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval;

5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;

6. Mortgage registration procedures: the bank shall go through the mortgage registration procedures at the property right office with the house ownership certificate and notarized loan contract;

7. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.