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.
Real estate mortgage loan method
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Mortgage is the most common, safest and fastest way to obtain funds. So what are the mortgage methods of real estate? What are the requirements for mortgage loans? What is the process of real estate mortgage loan? Let's take a look with Bian Xiao!
First, the real estate mortgage loan method
1. The property is mortgaged to the guarantee company.
(1) Turnover period: suitable for short-term turnover of 1-6 months.
(2) Advantages: Lending on the same day and calculating interest on a monthly basis.
(3) Process: interview-mortgage registration-loan notarization-lending.
(4) Requirements: Full house, installment house, preferential house, no house, relocated house, affordable house and small property right house.
2, real estate mortgage to bank loans.
(1) Turnover period: it is suitable for long-term turnover, and the longest period is 10 year.
(2) Advantages: Lending within 1 month with low interest.
(3) Process: evaluation-bank interview-bank audit-mortgage registration-bank obtaining other rights certificate-bank lending.
(4) Requirements: Commercial housing, affordable housing, cost housing, apartments, villas, shops, office buildings and real estate built in urban and suburban areas after 80 years.
Second, the requirements of housing mortgage loans
1. The applicant must be at least 18 years old.
2. The mortgage loan amount is 50-70% of the appraised real estate price.
3. The term of mortgage loan is basically 1 year-10/year.
4. The area of the mortgaged house shall not be less than 30 square meters, and the maximum age of the house shall not exceed 20 years.
5. The mortgage interest rate generally rises on the benchmark interest rate 10%-20%.
6. Have certain repayment sources and good credit.
7. Houses acceptable to banks include commercial houses, houses, storefronts, mortgage houses, serviced apartments, office buildings, office buildings, etc.
8. It is generally required that the property cannot be mortgaged unless the last loan is paid first.
Third, the real estate mortgage loan process
1. Both parties sign a sales contract, stipulating the down payment, loan and final payment.
2. Buyers and spouses should apply for loans in person at the bank.
3. The bank investigates 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 buyer pays the down payment to the seller.
6. The purchaser and the bank shall register the real estate mortgage.
7. The bank issues loans to the seller's account.
8. Both parties settle the house payment, and the seller obtains the final payment from the buyer.
9. Buyers take back their houses and repay them on a monthly basis.
Four. Problems needing attention in real estate mortgage loan
1. No matter whether you borrow from a guarantee company or a bank, you must have collateral, and the sum of the loan amount and interest cannot exceed half of the collateral.
2. Carefully examine the qualifications and reputation of the borrower, and try to choose a formal, legal and reputable intermediary company.
3. Don't sign documents with blank or incomplete contents. In addition, when signing loan contracts and receipts, you should read all the terms carefully and don't sign them hastily. After you get the loan, you must write the debit note and receipt according to the actual amount.
4. The total agreed loan interest, liquidated damages and overdue fines shall not be higher than four times the interest rate of similar loans of banks.
Summary: Well, that's enough about the methods, requirements and processes of mortgage loan. If you need more information, please continue to pay attention to Qijia. We will have more exciting content in the future.
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How to borrow a house mortgage loan
1, prepare identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, bank funds flow, etc.
2. Apply to the appraisal company with your identity certificate and house ownership certificate. Note here that banks have their own designated appraisal companies; The appraisal company will issue an appraisal report after accepting it.
3. Apply for a loan and sign a loan contract with the identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, bank capital flow and evaluation report of both husband and wife.
4. After accepting the application, the bank shall carefully verify the authenticity of the materials, visit the business premises on the spot, and report to the superior bank for approval after meeting the requirements.
5. With the approval of the superior bank, you can apply for mortgage to the housing management department with your ID card, loan contract and house ownership certificate. After the housing management department accepts it, you can register the mortgage and issue his right certificate.
6. Take his certificate of rights to the bank for a loan.
How to borrow money to buy a house, bank mortgage?
With the development of the real estate market, house prices are still rising, and many owners will mortgage their houses with bank loans to obtain activity funds and then use them for housing investment. How to get a mortgage loan? Then let's take a look at the following!
First, apply for a mortgage loan in the bank, fill in the form and submit the required materials. Then the staff will make a preliminary inspection, and if there is no problem, they will go to the real estate appraisal to make a report. Then the bank will carry out the approval process according to the materials and reports, and sign the loan contract and notarize it after passing. Finally, apply to the real estate bureau for mortgage, and loan to the applicant after success.
The length of mortgage loan is closely related to personal qualifications. If the applicant's credit information is good, it shows that he has good repayment ability. Generally, he applies for a loan, and the approval is easy to pass. In addition, the mortgaged property must be uncontroversial, and there has been no mortgage loan before. If an individual has other loans, he must pay them off before applying for a mortgage.
The following properties do not meet the conditions of bank mortgage loans: first, welfare houses, such as affordable housing; Second, there is no property right certificate. At the same time, according to different types of real estate, the proportion of mortgages obtained by applicants is also different. Among them, 70% are ordinary houses, 50% are commercial houses and 40% are industrial houses.
In addition, if the mortgaged property is a new house, the longest loan period is 30 years, and if it is a second-hand house, the loan period is reduced by 10 year. Therefore, when determining the loan term, we should combine our own economic situation to avoid increasing our own pressure. However, different loan years use different interest rates, so the interest generated is also different. Before applying for a mortgage loan, it is best to know the relevant procedures and conditions from the bank in advance, so that the loan will be smoother.
I hope the above answers are helpful to you.