Legal analysis: The process of handling mortgage loan is as follows: 1. The borrower applies to the loan bank for a mortgage loan. 2. The loan bank approves the loan application. 3. The borrower shall go through the guarantee formalities with the loan bank and mortgage the collateral. 4. Sign a loan contract. 5. The loan bank issues loan funds to the borrower's account.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 When issuing loans, commercial banks should strictly examine the borrower's borrowing purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 A borrower shall provide a guarantee for a commercial bank loan. 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.

Article 37 A commercial bank shall sign a written contract with the borrower when granting loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

What is the process of mortgage loan?

The specific process of housing mortgage loan is as follows:

1. The applicant provides information to the lending institution;

2. Investigate the applicant and estimate the value of the collateral;

3. The loan amount initially reserved by the lending institution;

4. Handling entrustment notarization and loan notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. Go through the mortgage registration formalities, and the mortgage institution lends money. It is recommended to choose Morlon for mortgage loan. You can't get a mortgage loan within one day at the earliest, or you can handle it in an apartment shop. It's not worth choosing a mortgage within two hours at the earliest.

Submit the required documents. Evaluate the house. Evaluate according to the location, floor, area and orientation of the collateral. After the house evaluation, it is necessary to go through the formalities of real estate insurance and corresponding loan approval, and then issue an approved loan contract and mortgage contract. Mortgage registration. The borrower holds the real estate license and loan contract to the district or county real estate bureau where the real estate is located for mortgage registration, and the expenses of this institution shall be borne by the borrower. Borrow money. After the mortgage registration, the bank can issue the loan to the borrower's personal savings account.

For more information about mortgage loans, it is recommended to consult Moore Long. Moore Platform covers 3,765,438+0 cities in China, with more than 2 million registered users, and provides tens of billions of loan services to various customers every year. In 20 15, Softbank China Capital became a shareholder of Morlon. Softbank Capital is a leading venture capital institution in China, and has successfully invested in a series of outstanding enterprises such as Alibaba, Taobao, Focus Media and Global Data.

The process of handling mortgage loan

Process for mortgage loan: 1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time. 2. Sign the contract. 3. issue loans. 4. Post-loan inspection. 5. Repay on schedule. 6. loan settlement. Article 394 of the Civil Code guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the creditor has the right to be paid in priority for the property if the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

How to apply for mortgage loan?

Legal analysis: The process of handling mortgage loan is as follows: 1. The borrower applies to the loan bank for a mortgage loan. 2. The lending bank shall examine and approve the loan application. 3. The borrower handles the guarantee procedures and mortgages the collateral to the loan bank. 4. Sign a loan contract. 5. The loan bank issues loan funds to the borrower's account.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank issues a loan, 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.

Article 37 A commercial bank shall sign a written contract with the borrower when granting loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

What is the process of handling mortgage loans?

First of all, the required process

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time. It should be noted here that in addition to applying for rural loans, other types of loans must provide relevant information. It mainly includes: the basic information of the borrower and the guarantor; Correct the original unreasonable loan; List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee; Other relevant information, etc.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and the bank evaluates the applicant's credit rating. Handle relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After obtaining the mortgage certificate, if the loan is approved by the bank, after all the formalities are completed, the bank will directly transfer it to the borrower's counterparty or issue it to the borrower through transfer according to the contract, and the borrower will pay it to its counterparty.

4. Post-loan inspection. Follow-up investigation and inspection of the borrower's execution of the loan contract and the borrower's operation.

5. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date. If the loan is to be postponed, it should be before the loan maturity date. The borrower needs to apply to the bank for loan extension, and the bank decides whether to extend the loan.

6. loan settlement. Loan settlement includes normal settlement and early settlement:

(1) Normal settlement: repay the principal and interest in one lump sum on the maturity date of the loan or settle the last loan;

(2) Early settlement: Before the loan maturity date, if the borrower settles part or all of the loan, it must apply to the bank in advance according to the loan contract, and the repayment will be made at the designated accounting counter after the approval of the bank.

After the loan is settled, the borrower will take back the legal documents and related certification materials extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Second, the required materials:

1. Identity cards of the applicant and his/her spouse.

2, the applicant and spouse's household registration book

3. The applicant's marriage certificate includes marriage certificate or unmarried certificate issued by the Civil Affairs Bureau.

4, the applicant's income certificate

5. If the applicant has other bank loans, it is also necessary to provide the original loan contract and the latest bank statement.

6. Other family property certificates, such as other real estate licenses, stocks, funds, cash passbook, vehicle driving license, etc.

Extended data:

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by banks in some countries. The borrower is required to provide a certain amount of collateral as a guarantee for the loan to ensure repayment when the loan expires. Collateral is generally an item that is easy to keep, wear and sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.