After signing the contract, you can handle the mortgage procedures. After the mortgage procedures are completed, apply for the real estate certificate. The real estate certificate must be handed over to the bank first. The bank will go to the Construction Committee to make a mortgage for other rights, and then either put it in the bank, or the bank will give you a mortgaged real estate certificate.

House mortgage loan is a personal housing loan business in which the home buyer uses the house purchased as a mortgage and the real estate company of the house purchased provides a periodic guarantee.

Mortgage means that the mortgagor transfers the property rights of the house for mortgage, and the beneficiary serves as the loan guarantor. After the mortgagor repays the loan, the beneficiary immediately transfers the property rights of the house involved to the mortgagor. During the process, the mortgagor enjoys Right to use.

Extended information

The suggestions for buying a house with a mortgage are as follows:

1. Apply for a loan amount within your ability

When applying for a personal housing When taking out a loan, borrowers should make correct judgments about their financial strength and repayment ability, and at the same time make correct and objective predictions about their future income and expenses. Only then can you carefully determine the loan amount, loan term and repayment method, design a repayment plan based on your income level, and leave appropriate room for it.

2. Choose a good loan bank when applying for a mortgage

The more and more detailed the bank's service types, the more flexible and diverse personal financial services you will get, as well as a rich portfolio of services and products. For example, ICBC Shanghai Branch has launched a series of new measures, such as adjusting loan terms for borrowers, allowing borrowers to change collateral, and change real estate rights holders.

3. Choose the repayment method that best suits you

When signing a loan contract with the bank, the borrower must first understand the repayment method and determine the repayment method that best suits you. Repayment method.

4. The information provided to the bank must be true

True proof of personal occupation, position and economic income should be provided. If you do not have enough ability to repay the loan but exaggerate your income level, you are likely to default in the early stage of loan repayment, and if the bank investigation proves that you provided false certificates, it will affect your loan application.

5. Provide your address accurately and timely

Provide an accurate contact address to facilitate the bank's contact with him, so that you can receive the repayment notice sent by the bank on time every month.

6. You should entrust the lending bank to automatically debit your deposit account or credit card account on the agreed repayment date every month. You must pay attention to your repayment account before the agreed repayment date every month. Do you have enough funds to prevent yourself from being fined by the bank for breach of contract due to your own negligence?

Baidu Encyclopedia--Mortgage Loans