Housing mortgage loan handling process

1. Apply for a loan: the purpose, amount and duration of the borrower's application for a loan from a financial institution.

2. Submit loan information: borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.

3. Appraisal of the house: After the submitted materials are complete, the bank will conduct on-the-spot investigation and appraisal according to the mortgaged house.

Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your house 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. Apply for a loan: The housing appraisal company submits the appraisal report or opinion to the bank for approval.

5. Signing a loan contract: The borrower signs a loan contract and all relevant documents with the lending institution, signs it and prints it, which is notarized by a notary.

6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures at the real estate office with the house ownership certificate and notarized loan contract.

7. Bank lending: Due to different bank regulations, loans will be made to the cooperative merchant's account in the form of cash, punch card or remittance.

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How to apply for a mortgage loan

Mortgage with a house, usually the whole process has nine steps, as follows:

1. Apply to the bank

The borrower applies to the bank for a housing loan, explaining the purpose, amount and mortgaged house of the loan. If the application meets the requirements of the bank, the bank loan specialist will tell the borrower the specific procedures and what materials need to be prepared.

2. Submit loan information

Submit the loan application materials according to the requirements of the bank, usually including the borrower's ID card, bank account, personal credit report, homeowner's real estate certificate, etc.

3. Actual evaluation of house value.

After the bank lends the information, the bank will make on-the-spot investigation and evaluate the value. According to the location of the house and the surrounding environment, give a reference price and how much the house is worth.

4. Lending approval

The bank will submit the housing appraisal report and the previous personal application materials to the bank for loan approval, and give approval on whether and how much loans can be made according to the housing value and personal repayment ability.

5. Sign a loan contract

After the first trial of the loan is passed, the bank informs the borrower to sign a formal loan contract, which needs notarization.

6. Go through the mortgage registration formalities

Go to the real estate center for mortgage registration with different property rights and loan contracts.

7. Bank loans

After the above procedures are completed, the bank will transfer the loan to the borrower's personal bank card.

8. Repay on time

According to the loan contract, the repayment shall be made on time and shall not be overdue.

9. Go through the mortgage cancellation procedures.

After the house loan is paid off, the bank should issue a settlement certificate and go through the mortgage cancellation formalities at the real estate center.

The above nine steps are the whole process of mortgage loan. Under normal circumstances, it is handled in accordance with the above process, and individual banks will have small differences, but they are all similar.

What are the procedures for mortgage loan with a house in the bank?

Bank mortgage loan

1. Apply for a loan

The purpose, amount and duration of the borrower's application for a loan from a financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Submit loan information

Submit application materials, including but not limited to the following contents (depending on the specific provisions of each bank's products): borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.

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).

This link is a very important link in the process of real estate mortgage loan, because many customers are in urgent need of money when lending. If these materials can be prepared in advance, it will be much easier.

3. House evaluation

After the materials are submitted completely, the bank will conduct on-the-spot investigation and evaluation according to the mortgaged house. 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

The housing appraisal company submits the appraisal report or appraisal opinion to the bank for approval.

5. Sign a loan contract

The borrower and the lending institution shall sign and seal the loan contract and all relevant documents, which shall be notarized by a notary.

6. Mortgage registration procedures

The bank shall go through the mortgage registration formalities at the real estate office with the house ownership certificate and notarized loan contract.

7. Bank loans

Due to the different regulations of banks, loans will be made to the accounts of cooperative merchants in the form of cash, punch card or remittance.

8. Repay on time

This point can not be ignored, it is an important link to establish a good credit, and if it is repaid in full and on time, it will play a positive role in promoting the borrower to borrow again and find a job in the future.

9. After the loan is settled, go through the mortgage registration cancellation procedures.

After the loan is settled, go to the real estate bureau for mortgage cancellation.

Operation process of housing mortgage loan

The process of housing mortgage loan is as follows: 1. The borrower who applies for a loan applies to the bank and prepares the loan information as required. 2. Submission materials Submit loan materials to the bank, including my valid ID card, income certificate, work certificate, real estate license, etc. 3. The appraisal company designated by the Housing Appraisal Bank conducts on-the-spot investigation and appraisal of the mortgaged house. 4. Submit the evaluation report. Appraisal companies submit appraisal reports to banks. 5. If the borrower's qualification and mortgaged house meet the loan requirements, both parties shall sign a loan contract. 6. Bank audit The bank will audit the borrower according to the information submitted by the borrower and the borrower's own qualifications, and will call for verification. 7. After the bank approves the next batch of loan letters, the bank will issue the next batch of loan letters to confirm that the loan can be released. 8. The mortgage registration bank shall go through the mortgage registration formalities at the Housing Authority with the property right certificate and loan contract. 9. Regarding the bank of the branch, the branch applies for the bank of the head office. 10. The bank can not issue loans to borrowers until it has gone through all the loan procedures. Loan process: 1. The buyer and the seller sign a house sales contract, stipulating the down payment, loan and final payment; 2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation; 3. The bank examines and approves the loan application; 4. The buyer signs a loan and guarantee contract with the bank; 5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer; 6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer); 7. The bank issues loans to the seller's account; 8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer; 9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).

Housing mortgage loan process

The mortgage loan process is as follows: 1. Submit and inquire about the house property right certificate; 2. evaluation; 3. Determine the loan amount; 4. Sign loan contracts, mortgage contracts and existing home mortgage service contracts; 5. Bank approval; 6. Property right certificate for mortgage registration; 7. Property right certificate and mortgage contract shall be submitted to the bank for filing; 8. Banks issue loans; 9. The borrower repays the loan on a monthly basis. Legal basis: Article 36 of the Commercial Bank Law. When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Housing mortgage loan process

(a) the loan applicant to prepare housing mortgage loan application materials. These materials include the borrower's ID card, household registration book, real estate license, the original purchase contract or purchase invoice, and the payee's bank statement for the last six months. If the borrower is married, marriage certificate, spouse's ID card and spouse's bank statement for the last six months are also required.

(two) after the applicant submits the information, the bank will review the information.

(3) After examination and approval, the borrower shall hand over the title certificate of the mortgaged property and the house insurance policy (if any) to the bank for safekeeping.

(four) the borrower and the bank signed a mortgage loan contract and notarized.

(5) After signing the mortgage loan contract, the bank will directly transfer the loan to the collection account specified in the loan contract.

When making mortgage loans, we need to pay attention to the following points:

(1) The borrower needs to pay attention to the nature of the collateral. Only commercial housing can apply for mortgage loans. Such as small property houses, self-built houses and relocated houses, cannot be used to apply for mortgage loans.

(2) When applying for mortgage loan, the property as collateral must have corresponding value. If the property is mortgaged or mortgaged, you must have a residual value before you can apply for a mortgage loan.

(3) The property as collateral must have clear property rights. When handling the mortgage formalities, the owner of the real estate license must be present. If the mortgaged property belongs to a third party, a written document of the third party's consent to mortgage the property shall be presented at the time of mortgage.

This is the mortgage loan program introduced at the end of the year and the required procedures for building mortgage loans. I wonder if you have found the information you need?