Many people buy houses in full. Although the house price is very expensive, there are still many rich people. Therefore, it is not unusual to choose to buy a house in full. After buying a house, I may have to work harder. They say things are unpredictable. Once encountering difficulties, people will still choose to use their houses as collateral for loans. Let's learn specifically how to apply for a mortgage loan. You need to prepare a full mortgage.

How to apply for a mortgage loan for a full house?

1. The whole house mortgage loan requires the borrower to fill out the Application for Mortgage of Residential House before handling the mortgage loan, and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit. Credit documents such as business license and legal person certificate of the loan guarantor.

2. The borrower's legal and valid identity certificate. The relevant proof of the ownership of the house or the proof that I have the right to the house according to law. The full mortgage loan needs the appraisal report, appraisal and insurance documents of the collateral. Contracts, agreements or other supporting documents for the purchase and construction of houses. Other documents or materials required by the lending bank. The above is the first step of the real estate mortgage loan process.

3. For full mortgage loan, the bank shall review the borrower's loan application, house purchase contract, agreement and related materials according to the bank loan process. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

4. According to the above-mentioned real estate mortgage loan process, after the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

5. There are restrictions on handling loans. /kloc-a natural person with full capacity for civil conduct is required for a full mortgage loan over 0/8 years old. Many people want to get high loans because of personal credit restrictions such as unstable professional income, bad credit and inability to repay. However, you have to have a corresponding income to match it. If your personal credit has a bad record, you are also at risk of being rejected.

What should I prepare for the whole house mortgage loan?

1. Property ownership certificate is required for the whole house mortgage loan. Identity cards of obligee and spouse. Household register of obligee and spouse. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).

2. The whole house mortgage loan requires proof of income. If the owner of the real estate license has minor children, please provide birth certificate. If the property still has a bank loan, please provide the original loan contract and the next bank statement.

3. In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).

When we follow Bian Xiao, how can we apply for a whole house mortgage? After learning what to prepare for a full mortgage loan, we found that it is ok to get a mortgage loan after buying a house in full, because there is no secondary mortgage for a house bought in full. I hope that the introduction in the above small series can help everyone.