3. According to the bank loan process, the bank will review the borrower's loan application, house purchase contract, agreement and related materials.

4. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

5. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

6. 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.

7. There are restrictions on handling loans. A natural person who is over 18 years of age, has full capacity for civil conduct, unstable professional income, poor credit, inability to repay, etc. and restricts personal credit. Many people want to get a high loan, but you must have a corresponding income to match it. If your personal credit has a bad record, there is also the risk of being refused a visa.

What materials does Lanzhou second-hand housing mortgage need?

(1) real estate license;

(2) Identity cards of the obligee and his spouse;

(3) Household registration books of the obligee and spouse;

(4) Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);

(5) proof of income;

(6) If the owner of the real estate license has minor children, please provide a birth certificate;

(7) If the property has a bank loan, please provide the original loan contract and the next bank statement;

(8) 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.). ).

The above is the introduction of how to apply for mortgage loan for second-hand houses in Lanzhou and what materials are needed for mortgage loan for second-hand houses in Lanzhou. In principle, the second-hand housing mortgage loan should not be considered as an invalid contract because of fraud, coercion, taking advantage of others' danger, having no right to act as an agent, or covering up illegal purposes in a legal form.

2. Can affordable housing in Lanzhou be mortgaged to buy the facade of Xi 'an?

Friends see your name, you really want Gansu people to let me go to Henan to do real estate. If your affordable housing can't be bought or sold, if the lender doesn't specify where your loan will be used, you can buy a facade house in Xi 'an, but it's best not to use the same name for affordable housing and your facade house. In that case, the personal income tax on the two houses will be heavy in a few years.

Three, how to apply for affordable housing mortgage?

Houses with real estate licenses can apply for loans.

4. Can affordable housing in Lanzhou be mortgaged? What's the procedure?

Many people apply for affordable housing with an expectation that they can book a house after several rounds of lottery. This is likely to exceed expectations, lack of funds, and have to consider mortgage loans. So can Lanzhou affordable housing be mortgaged? What are the procedures for affordable housing in Lanzhou?

Many people apply for affordable housing with an expectation that they can book a house after several rounds of lottery. This is likely to exceed expectations, lack of funds, and have to consider mortgage loans. So can Lanzhou affordable housing be mortgaged? What are the procedures for affordable housing in Lanzhou? I suggest you take a look at the following specific introduction.

1. Can affordable housing in Lanzhou be mortgaged?

According to the current situation, Lanzhou can apply for a mortgage loan with affordable housing, depending on whether the house meets the relevant loan conditions. Affordable housing is a house taken care of by the state, and the house price is relatively low. Therefore, affordable housing cannot be used as a mortgage loan for five years, and it takes five years to make up the difference and turn it into a loan product before applying for a loan. Other methods can be used to obtain loans:

1. Mortgage loan can be mortgaged with other properties, whether it is your own property or the property of relatives and friends. If it is the property of relatives and friends, it must be signed by them.

2. You can use your own car as a mortgage loan, which can lend money faster and solve your financial problem quickly.

3. What needs to be understood is that it takes more than five years to obtain loans for affordable housing. It should be pointed out that whether it is real estate or car mortgage, you must choose a large formal and powerful lending institution to get a loan in a short time.

4. Affordable housing cannot be used for mortgage loans within five years, but can be listed and traded after five years, and then can be used for mortgage loans. Because affordable housing belongs to policy housing, the property rights of buyers are limited. For affordable housing within 5 years, the state will not handle the property right certificate. Without the real estate license, you can't apply for a mortgage loan.

2. What are the procedures for affordable housing in Lanzhou?

It is understood that according to the relevant regulations, affordable housing used for real estate mortgage loans in Lanzhou must be five years old, and affordable housing under five years cannot be used for mortgage loans, because affordable housing under five years old cannot provide relevant property rights certificates, and mortgage registration procedures cannot be handled without real estate license, and listing transactions cannot be conducted without formalities, so it cannot be recognized by banks and credit institutions.

1. It is necessary to apply to the relevant departments where the house is located with the real estate license to go through the formalities of paying the land proceeds. After the relevant departments of the Ministry of Land and Resources have completed the calculation of the payable amount, they will collect the corresponding amount and issue payment vouchers.

2. Within 90 days after the issuance of the payment voucher for land revenue, apply to the real estate transaction registration office for complete registration of property right change with the voucher and relevant transaction materials.

After the completion of the registration procedures for the complete property right change of affordable housing, you can apply for a real estate mortgage loan according to the normal real estate mortgage loan procedures.

The above is the related content of affordable housing mortgage loan in Lanzhou and what procedures are needed for affordable housing in Lanzhou. Our affordable housing mortgage also has a certain process, and we all need to know clearly in advance. If you don't know clearly in advance, you really don't know what to do when you bring a loan, and the details are not well considered. If you fail, you will regret it.