The detailed process of Beijing real estate mortgage loan is as follows:
I. Loan preparation
When you want to borrow money, whether you are an individual or a business, you should consider the following points clearly:
How much do you want to borrow from the bank? How long do you want to keep it? What kind of assets do you have (including real estate with title certificate); What is the current market value of your assets (70% of this value is your loan amount); Whether your spouse and asset owner agree to your loan; What kind of loan do you want to apply for (different types of loans have different repayment methods and interest rates).
When you consider the above six points clearly, then you can enter the next stage.
Second, prepare information.
We divide data preparation into two parts: personal basic data and enterprise basic data, which correspond to personal bank loans and enterprise bank loans respectively:
Basic information:
Husband and wife's ID card, household registration book, marriage certificate/single certificate, income certificate, half-year bank account, asset certificate (real estate license, land certificate), and asset appraisal report issued by appraisal agency.
Basic information of enterprise:
Original and photocopy of business license, original and photocopy of tax registration certificate, original and photocopy of organization code certificate, original and photocopy of account opening permit, enterprise profile, corporate and shareholder ID cards and resumes, articles of association (including articles of association, amendments to articles of association, shareholders' resolutions), capital verification report, financial statements (from this month of the previous two years to this month), bank flow (more than half a year), tax payment certificate (in the last three months), upstream and downstream purchase and sales contracts, etc.
Required information:
Loan use contract (that is, what you borrow money for).
Third, the borrower applies for a loan.
IV. Examination and approval of bank projects
The following is the most important review stage. If there are no problems in the following points, congratulations, your loan is basically no problem. As long as you go through the following stages, you can get the money you want
1. Project establishment
The main purpose of this stage is to preliminarily examine the authenticity of the information provided by the borrower, determine the main inspection items, formulate the inspection plan and start implementation.
2. Evaluate the credit rating of the borrower.
Credit rating is based on the borrower's credit status (i.e. credit information system), economic strength, capital structure, performance, operating efficiency and development prospects.
3. Conduct feasibility analysis
This stage includes discovering the borrower's problems, exploring the reasons, and determining the nature of the problems and possible influencing procedures. Among them, the analysis of the borrower's mortgage of fixed assets and financial situation is the most important, because it is the basis for banks to master and judge the bank's risk control and corporate repayment ability.
4. Comprehensive judgment
Inspectors verify the materials provided by the investigators, judge the borrower's current situation, medium-term profit and loss and long-term development, retest the risk of the loan, put forward opinions, and examine and approve according to the prescribed authority.
5. Conduct pre-loan review to determine whether loans can be made.
There are various ways of bank pre-lending review, mainly direct investigation and side investigation. Personal loans are generally directly investigated by banks. After the pre-loan review, the bank manager will write a loan review report for approval, and make it clear whether the loan can be released.
Verb (abbreviation of verb) sign a loan contract
The bank examines the loan application, considers that all items are in compliance with the provisions, and agrees to the loan, and signs a loan contract with the borrower. Loan type, loan amount, interest rate, loan purpose, repayment method, loan term, rights and obligations of both borrowers and borrowers, liability for breach of contract, handling and other matters that both parties think need to be agreed in the loan contract. The loan contract shall take effect immediately from the date of signing.
Sixth, apply for a mortgage.
After the loan contract is signed, the bank will go through the mortgage formalities at the real estate rights trading center (Housing Authority) on the date agreed with you. You need to prepare the original ID card and the original title certificate of the property owner. After completing the formalities, the bank will accept the certificate of other rights issued by the Housing Authority, real estate license and other property rights certificates will be exchanged with you.
Seven. offer loans
After the loan contract is signed and the mortgage formalities are handled, both parties can verify the loan according to the contract. The bank will lend money according to the account number specified in the loan use contract provided by you. If it is an enterprise loan, the borrower can go through the withdrawal procedures according to the loan contract and make one or more withdrawals according to the contract plan. When withdrawing money, the borrower should fill in the withdrawal voucher uniformly formulated by the bank, and then go through the withdrawal formalities at the bank. Bank loan interest is calculated from the date of withdrawal. After obtaining the loan, the borrower must strictly abide by the loan contract and use the loan according to the purpose and method agreed in the contract.
Beijing Housing Mortgage Loan Requirements
In Beijing, we need to face all kinds of situations. Some people will choose to mortgage their houses to banks to get loans and solve their own financial problems. Do you know some requirements of housing mortgage loan in Beijing?
First of all, we must understand the requirements of housing mortgage in Beijing:
(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
(2) The sum of the house age (calculated from the date of house completion) and the loan period cannot exceed 40 years;
(3) Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
We should know the qualifications of Beijing applicants:
The first is to have a local fixed residence in Beijing, a certificate of permanent residence in Beijing, and full capacity for civil conduct; Secondly, we must have a legitimate occupation and a stable source of income, have the ability to repay loans, and finally have no bad illegal records, and be able to provide local real estate licenses or third-party guarantees with repayment ability.
Next, we should know the purpose of Beijing housing mortgage loan:
(1) Used for house purchase: mortgage loan refers to a loan that an individual pays a certain down payment when purchasing a house with a house title certificate, a house that can be traded in the market or a commercial house, and the rest is applied to the cooperative organization with the purchased house as collateral. Generally, the annualized interest rate of such loans is expected to rise above 10%; At the same time, the review of mortgage loans is also relatively strict. For example, buyers must meet the strict requirements of the first suite, hukou, good credit record and stable income. Generally, the bank approval time is 1-3 months.
(2) Used for business operation: for financing products mainly serving small and medium-sized enterprises or individual industrial and commercial households, borrowers can obtain loans through mortgage and other guarantee methods. The bank operating loan interest rate is higher than the mortgage loan interest rate and higher than the expected annualized interest rate of the loan benchmark 10%~30%. Bank requirements: the borrower's credit record must be good; Open a general deposit account in a loan bank; The company operates well and has real estate or other effective mortgage guarantee. It usually takes 1 to 2 months to reply.
How long can Beijing mortgage be released?
Handle housing mortgage loan in Beijing. It usually takes 7 to 15 working days for the borrower to apply for mortgage of house payment. If more people apply for mortgage loans from banks, it will take longer than other ways. If according to the efficiency of non-bank financial institutions, involving real estate mortgage loans, because of the process of reviewing the borrower's personal qualifications, there is a shortcut to review and save time. If the materials are fully prepared, you can get the loan within three working days.
The following is the processing flow of housing mortgage loan:
1. Fill in the loan application form with the bank or sign a loan entrustment agreement with Qian Yun.
2. Submit the important materials required for this mortgage loan.
3. Cooperate with the appraiser to appraise the house.
4. Go to the Construction Committee to register the house mortgage.
5. Notarization
6. Repay on time after getting the funds.