Procedures for mortgage loan of real estate license: 1. Loan application: the borrower proposes the purpose, amount and time of the loan; 2. Preparation for loan application: The borrower and the mortgagor shall prepare all the documents required for loan application as required; 3. Housing evaluation (or survey): relevant institutions conduct on-the-spot survey, evaluation (survey) and evaluation of mortgaged houses; 4. Apply for loans: submit all loan applications together with evaluation reports or survey opinions to the bank for approval; 5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary; 6. Mortgage registration procedures: the bank holds the house ownership certificate and loan contract to the property right office for mortgage registration; 7. Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral). If the registrant of the real estate license is himself or her spouse, the following materials shall be provided: 1. Hold an identity card; 2. Household registration book; 3. Marriage certificate; 4. Real estate license; 5. Deed tax certificate; 6. Land certificate; 7. proof of income; 8. Proof of capital flow. The two went to the local bank to consult and apply for a housing mortgage loan, provided that the housing loan was paid off and there was no mortgage. Personal housing mortgage loan means that the applicant applies for a loan from the bank with his own housing property rights as collateral, and the loan funds can be used for personal consumption and operation. 1. The loan term is 3,5,65,438+00,65,438+05,20 years. 2. It takes more than 20 working days to approve the loan. 3. The basic condition is 1. A natural person with China nationality and full capacity for civil conduct; 2. Hold valid identity documents; 3. Have a stable and legal source of income; 4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated; 5. Other conditions stipulated by the bank; Four. Loan procedures 1. The Lender entrusts the Company to handle the loan procedures and submit the corresponding materials required for the loan; 2 for mortgage, pledge, pledge evaluation report; 3. Submit the loan application form to the loan bank, sign loan contracts and various agreements, and go through notarization and insurance procedures; 4. Bank approval; 5. The real estate bureau shall register the mortgage and handle his right certificate; 6. The bank confirms and issues loans.
2. What is the process of personal property mortgage loan in Hefei?
1. What can be used as collateral for bank mortgage loans?
1. 1
Real estate. Silver samples are real estate, such as personal residential properties, factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and after evaluation, the loan can reach 70% to 80% of the evaluation price.
1.2
Three, personal property mortgage loan procedures
Signing a contract-evaluation-preparation of materials-face-to-face signing-approval-loan approval-mortgage registration-lending.
Fourth, the e-loan mortgage process of rural commercial banks?
The housing loan process of rural commercial banks is as follows: 1. The borrower needs to submit written documents to the housing management department when applying for housing mortgage loan, and the real estate appraisal agency will review the application materials submitted by the applicant.
2. After the borrower submits the written documents, the property (collateral) will be used as the pledge and handed over to the lender to open a current deposit account in the bank.
Three. The Lender shall go through relevant formalities at the entrusting bank. Four, the applicant to provide materials to the entrusted bank for the corresponding loan procedures.
Five, the borrower to apply for real estate mortgage loans need to submit written documents to the housing management department and send their information to the company or law firm to sign a loan contract.