First, how to borrow mortgage loans
1. The lender submits a written loan application and provides materials required by the bank, such as real estate license, household registration book, marital status, etc. , and should also explain the purpose of the loan.
2. The buyer and the seller open an account in the loan bank, and then the buyer remit the down payment to the account of the loan bank.
3. After being audited by the loan bank, the loan contract can be signed with the bank, and the authorization for transfer and deduction can be signed.
4. Handle mortgage registration procedures such as house transfer and notarization.
5. Transfer of title certificate, that is, the lender submits the completed title certificate and the insurance policy of the purchased house to the loan bank for registration.
6. After the above procedures are completed, the loan bank will transfer the loan money to the opened account, and then transfer the money to the seller's account at one time according to the authorization of transfer and deduction.
What should I pay attention to in the second loan?
1. lending bank
Pay special attention to the choice of loan companies for the second loan, because some loan companies will do other things in the name of customers, so when choosing a loan bank, you must choose a formal loan company.
2. Repayment situation
Pay attention to the repayment of the second loan and ensure that the repayment can be found at any time. As long as the loan is settled, it will be displayed on the credit report, and you can apply for a second loan. You can go to a regular company or a real estate agent to check the time.
3. The amount of real estate mortgage loan
Pay attention to the amount of the second loan. For example, the first loan has been repaid, and the amount of the second loan is similar to that repaid, so there is no need to borrow the second loan.
Editor's summary: The above is about how to borrow mortgage loans, hoping to bring help to our friends.