Of course, after the loan application is submitted, whether it can pass the audit depends on the audit results given by banks and financial institutions. Moreover, there is already a mortgage, and applying for a loan will increase the risk of overdue. Please carefully consider whether you need to apply for a loan in the future.
Mortgage, also known as house mortgage. Mortgage refers to the legal documents such as housing mortgage loan application, ID card, income certificate, housing sales contract, guarantee letter and so on submitted by the property buyers to the bank. , must be submitted. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.
20 165438+2003 1 October 24th, the latest survey data shows that according to 10, 1, 1,1.
Basic introduction:
Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in applying for loans from appraisal companies and mortgage guarantee companies.
Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that by the end of 20 10, the utilization rate of mortgage loans has reached a high level in major first-tier cities in China. In terms of housing mortgage loans, the loan ratio has reached more than 70%. Moreover, in recent years, more and more residents have applied for mortgage loans with their own or relatives' properties to revitalize their properties. "Mortgage" has become a way of life closely related to residents' lives.
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, personal loans and portfolio loans. entrusted loan
Personal housing entrusted loan refers to the loan that the bank is entrusted by the housing provident fund management department to purchase ordinary housing with the amount of housing provident fund as the source of funds. Also known as provident fund loans.
Self-operated loan
Self-employed housing loans are loans issued by bank credit funds to individual buyers. Also known as commercial personal housing loans, the loan names of banks are different. Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.