1 loan application: the borrower submits the purpose, amount and term of the loan to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Prepare loan information: If it is a personal mortgage loan, you need to provide your own 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 include: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the last six months, financial statements of last year and the last six months, and asset certificates (different materials will be provided according to different banks).

3. Housing evaluation: After the bank submits the above materials, it will conduct on-the-spot investigation and evaluation on 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.

4. Loan approval: submit all loan approval materials, evaluation reports or appraisal opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information. If anything is omitted, it will affect the loan progress.

5. Notarization of loan contract: the borrower-level mortgagor fills in the loan contract and all relevant documents, signs it and prints it, and the notary will notarize it.

Mortgage registration: The bank shall go to Chaquan for mortgage registration with the house ownership certificate and notarized loan contract.

Matters needing attention in real estate mortgage loan:

Property mortgage needs to be the property under the borrower's name. If it is owned by a third party, a statement that someone agrees to the mortgage loan must be issued at the time of mortgage;

2 In the marriage certificate provided, if there is divorce, a divorce agreement or a court judgment shall be submitted; If you are single after divorce, you need to provide proof that you have not remarried after divorce;

3. Need to clarify the purpose of the loan. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, and consumers should pay attention to policy risks.

It is impossible to apply for a mortgage loan for a house that has not paid off the loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again.

5 small property houses do not have the right to trade real estate mortgage loans. This is because small property houses have no property rights and may be eliminated under the policy of land use planning, so financial institutions will not mortgage such properties.