The only house can be mortgaged, but the house needs to obtain a property certificate. When users apply for a mortgage loan, the bank will evaluate the property. Users can apply for loans within the amount given by the bank. If the assessment amount is relatively low, other collateral, such as cars, can be submitted at this time. Then we can meet the demand for loan amount.

When handling mortgage loan, the person should be at least 18 years old and have full capacity for civil conduct. At the same time, personal work certificate, bank account and loan application should be submitted. It should be noted that personal credit information must be good when handling loans, otherwise the bank will directly refuse.

Users can consult different banks when handling mortgage loans, and then choose the bank with low loan interest rate, so that the interest paid after the loan is less, which is conducive to subsequent repayment and will not lead to overdue repayment. It should be noted that it takes a long time to apply for mortgage loans through banks.

You can choose the repayment method of average capital or equal principal and interest when handling loans. On the premise of the same loan conditions, the total interest of the average capital is less than the equivalent principal and interest expenditure, but the average capital needs the repayment person to have higher income. It is worth mentioning that the repayment of equal principal decreases every month.

I have a real estate, can I get a mortgage? How to deal with it?

First, the application process of real estate mortgage loan

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment.

2. When the purchaser and his spouse apply for a loan from the bank, the seller and his spouse shall be present for confirmation.

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 seller gets the down payment from the buyer.

6. The purchaser shall register the real estate mortgage with the bank (or other natural persons and legal persons shall provide phased guarantee for the purchaser).

7. The bank issues loans to the seller's account.

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer.

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank re-register the house mortgage.

Second, the requirements of mortgage housing

1. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage.

2. The sum of the house age (calculated from the date of house completion) and the loan period cannot exceed 40 years.

3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.

Extended data:

First, the conditions for applying for housing mortgage loans

1, a natural person with China nationality and full capacity for civil conduct.

2. Hold valid identity documents.

3. Have a stable and legal source of income.

4. Mortgaged property has real estate license, clear property rights and can be listed and circulated.

Second, the amount of mortgage.

1, and the highest mortgage rate of commercial housing can reach 70%.

2. The mortgage rate of office buildings and shops can reach up to 60%.

3. The mortgage rate of industrial plants can reach up to 50%.

4. Up to 30 years, mortgage includes shops, office buildings, houses, villas, factories, warehouses, etc.