How to handle the house mortgage?
1, loan application
The borrower consults the loan bank about the purpose, amount, duration and time of the loan. If the loan application meets the loan scope of this financial institution, you need to prepare the corresponding information and then fill in the application form at the loan bank.
2. Prepare loan information
If it is a personal housing mortgage loan, you need to provide your and your spouse's ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate and house ownership certificate. If an enterprise needs to mortgage real estate, the materials it needs to provide are: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water in the past six months, financial statements of last year and half a year, and asset certificate (different banks have different requirements for information).
3. House evaluation
After submitting the above materials, the bank shall conduct on-the-spot investigation and evaluation of the mortgaged property according to the submitted materials. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.
Step 4 apply for a loan
Submit the loan review materials, evaluation reports or investigation opinions to the bank for approval. At this time, you must pay attention to the lender and prepare all the information. If something is missing, it will affect the progress of the loan.
5. Notarization of loan contract
With the purchase contract, mortgage contract, custody contract and insurance policy, the borrower signs a personal housing mortgage loan contract with the third party (legal person) guarantor in the loan bank, and goes through the mortgage registration with the real estate management authority within a certain period of time. If the parties request notarization, they can go to the notary office for notarization.
6. Bank loans
The bank shall handle the mortgage registration formalities with the house ownership certificate and notarized loan contract. Next, the loan bank will transfer the loan to the deposit account of the selling unit specified in the purchase contract.
What are the conditions for housing mortgage loan?
1, housing mortgage loan requirements for housing
First of all, the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and you can enter the real estate market without any other mortgage. Secondly, the sum of the house age (calculated from the date of completion of the house) and the loan period cannot exceed 40 years. Finally, the mortgaged house is not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department.
2. Requirements for lenders
First of all, we must have a legitimate occupation and a stable source of income, have the ability to repay the principal and interest of loans on time, and have no illegal acts and bad credit records. Secondly, it can provide effective pledge guarantee of rights recognized by the bank, or it can be mortgaged with legal and effective real estate or a third-party guarantee with compensatory ability. Finally, the bank opens a personal settlement account, allowing the bank to deduct the loan principal and interest from its designated personal settlement account.
The previous article is about how to handle housing mortgage loans and what are the requirements for handling housing mortgage loans. Although the process of housing mortgage loan is not particularly complicated, we should be cautious when handling it, and we must know the interest rate and repayment method of the loan.