I believe everyone knows that you can go to the bank to mortgage the mortgaged house, and you can also apply for a loan for the mortgaged house. If you don't take out the money, it won't develop badly, which has become a bright spot in the mortgage market. The bank also introduced the process of mortgage loan in detail. Information to mortgage a house?
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1. The seller proposes the mortgage loan cooperation intention to the loan bank. The loan bank shall sign a mortgage loan cooperation agreement with the qualified seller on its development project, construction qualification, credit rating, person in charge's character, corporate social reputation, technical strength and operation.
2. The borrower pays down more than 30% of the house price (apply for mortgage loan from the loan bank with the purchase agreement, 30% purchase receipt, ID card and proof of marital status, sign a loan contract after opening a deposit account in the loan bank, and deposit the money into the seller's account after handling the loan formalities (the customer adopts the principle of voluntary insurance), and notify the customer to take the contract to the seller's place.
3. In the future, as long as the borrower arrives at the deposit account or bank card before the 20th of each month (quarterly), it will be automatically deducted from the borrower's account and settled in full at maturity. The property right certificate and mortgage registration procedures of the loan bank shall be strictly implemented in accordance with the charging standards of the relevant competent departments, and no agency fees shall be charged. The borrower must provide all the materials required for the above procedures. After the loan is returned, the loan is returned to the customer.
Apply for mortgage again.
1. Property ownership certificate, applicant's and spouse's ID card, household registration book, marital status certificate, income certificate of applicant and spouse and other collateral ownership certificates.
2. Relevant certificates of loan purpose, other relevant information required by the bank, bank interest rate and repayment method, and the bank interest rate shall be subject to the commercial loan interest rate stipulated by the People's Bank of China for the same period or be appropriately floated; If the loan term is less than one year, you can choose to repay the interest monthly or quarterly. If the term is limited to more than one year, you can choose to repay the principal and interest on a monthly basis.
The above mainly introduces the payment information of mortgage loan process? Nowadays, more and more people choose to borrow money to buy a house, but now if you have the idea of a loan, the loan handling process is troublesome, neither troublesome nor troublesome.
Second, how to refinance the mortgaged house
Calculate how much money you need to borrow from the bank for home decoration. You don't have to pay interest if you don't withdraw the money. Recently, this business has become a new bright spot in the mortgage market. Then, how to refinance the mortgaged house? What is the refinancing process of the mortgaged house? Let's take a look with Bian Xiao. I. Mortgaged house 1 How to remortgage? There are three ways to refinance a mortgaged house. One is to make a second loan according to the monthly repayment amount of the mortgage. Mortgage repayment can be 50 times the monthly repayment amount within three years, and 80 times after three years. 2. Second, you can pay interest first and then principal, and pay interest instead of principal every month. It is relatively simple to increase the weekly rule of funds. Third, if the mortgage has been repaid for several years and the property has increased in value, you can settle the house loan at this time. Then go to the bank to apply for a mortgage loan, which can increase part of the loan amount. Second, the mortgage refinancing process 1. The borrower needs to submit a written loan application and provide the supporting materials involved in the information. Such as real estate license, original ID card, proof of marital status, proof of income, etc. The bank will decide the loan amount and repayment method according to the supporting materials provided. 2. The buyer and the seller need to open an account in the loan bank, and the buyer will deposit the down payment into the designated account. 3. After being approved by the lending bank, the borrower may sign a contract with the bank. Then go through the formalities of house transfer and insurance. 4. Hand over the completed property certificates, insurance policies and other property certificates to the bank for mortgage. After all the formalities are completed, the bank will transfer the loan amount to the opened account. According to the transfer authorization, the loan will be transferred from the borrower's account to the seller's account Editor's summary: How to refinance the mortgaged house? As well as the mortgage refinancing process, I believe everyone has some understanding after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us. Enter the area and get the decoration quotation for free.
3. How to exchange two mortgaged houses?
1. Bought a new house, mortgaged it, paid taxes and so on. , but want to change rooms without obtaining the property right certificate.
This situation is the most troublesome situation. The Housing Authority does not accept the transaction, and it is necessary to pay off the loan and have a real estate license to change the house. The process of filing a house exchange is that the developer cancels the original house sales contract with the buyer, the developer pays off the bank loan in one lump sum, ends the loan contract between the buyer and the bank, and then signs a new house sales contract with the original buyer. If the new house still needs a loan, it needs to re-apply for a bank loan.
Individual owners who have paid the deed tax and maintenance fund can't retreat, so they can only let the developers come forward to negotiate.
Pay attention to the procedures of tax refund for house purchase:
A. If the house purchase contract is signed and the down payment is paid, the real estate agent is required to issue an invoice of the corresponding amount (receipt is not accepted) to determine the date of house purchase.
B, before obtaining the property right certificate, with the purchase contract and the down payment invoice, ask the financial department of the unit to pay personal income tax, and properly keep the original and copy, and go through the registration tax refund after obtaining the property right certificate.
2. I bought a new house, didn't pay the down payment, and didn't apply for a mortgage.
Can I change rooms before paying the down payment? Can I change rooms if the mortgage is not done well? How to change rooms for unregistered houses? If the reason for changing rooms is reasonable, you can negotiate directly with the developer.
3. I bought a second-hand house, or bought a new house and wanted to change rooms after getting the real estate license.
If this is the case, it can only be handled according to the general second-hand housing transaction process, that is, selling before buying or buying before buying, depending on the funds and the policy of restricting purchases and loans.
4. What is the process of refinancing the mortgaged house?
Most people know that real estate can be mortgaged, but few people know that real estate can be mortgaged twice, which means that mortgaged real estate can be mortgaged to others again, and the procedures are cumbersome, so most people will not do it again. So what is the housing two mortgage process? In this regard, Bian Xiao found some information about the second mortgage of the house to share.
Article 199 of China's Property Law stipulates that if the same property is mortgaged to more than two creditors, the proceeds from auction and sale of the mortgaged property shall be paid off in accordance with the following provisions:
(1) If the mortgage has been registered, it shall be paid off in the order of registration; In the same order, it shall be paid off according to the proportion of creditor's rights;
(2) The registered mortgage is paid off before the unregistered mortgage;
(3) If the mortgage is not registered, it shall be paid in proportion to the creditor's rights. That is to say, even if you have mortgaged all your houses to the bank and gone through the mortgage registration procedures, you can still mortgage your house to others for financing, but when the mortgaged property is sold by auction, the repayment order is different.
It is also known that 20 1 165438 Wenzhou Municipal Government issued the Interim Measures on Strengthening the Registration Management of Real Estate and Other Property Mortgages on February 6. On March 29th, 20 12, Wenzhou issued the Supplementary Provisions on Strengthening the Registration Management of Real Estate and Other Property Mortgages. These regulations regulate two mortgage from the local government level.
In addition, the definition of real estate mortgage loan is very broad, including both business premises and office premises, such as shops, office buildings and hotels. And the house. Therefore, as long as the bank's real estate mortgage products are not specifically marked as commercial housing mortgage loans, even if the business or office space used by the enterprise is leased, as long as the business owner has personal property, it can also be used as collateral to apply for loans for the enterprise.