Several major problems in mortgage of houses by banks: 1. The property right must be the property signed by the owner; 2. The mobility of the house depends on the location, floor, orientation, surrounding facilities and other factors. If the liquidity of the house is weak, the bank will lower the house price.

What conditions do housing mortgage loans need to meet? When handling mortgage loans, buyers must meet the following conditions to obtain loans: First, they must be natural persons with independent civil capacity. /kloc-If you are mentally deficient within 0/8 weeks, you will not apply for a bank mortgage loan.

Second, you must have legal identification. This is an ID card and other valid documents to prove your identity.

Handling housing mortgage formalities: (1) The applicant must provide relevant materials to handle the loan formalities at the bank.

(2) The first batch of banks were approved.

(3) Evaluate the house where the company has settled, and evaluate the house as collateral.

(4) Banks should collect evidence according to the information provided by customers and evaluation reports.

(5) After being audited by the bank, the Construction Committee is responsible for the mortgage of the house.

(6) The bank lends money after obtaining his right certificate.

(7) Operation after bank loan.

What are the specific advantages of mortgage loan?

1. The loan amount is very high: the mortgaged assets are usually of high value. According to the current situation in China, the vast majority of individual enterprises use real estate as collateral, which is 70% of the appraised price of loanable houses, with a maximum of 80 million.

2. The loan interest rate is low. In the case of sufficient collateral, the borrower's interest rate should be lower than that of unsecured loans, which reduces the borrower's cost. The annualized interest rate is 3.65% to 3.85%, and the principal is not included in the debt service 10 year. The annual interest rate is 3.85%, with equal principal and interest repayment, and the longest term is 30 years.

3. During the mortgage period, the property right of the mortgaged assets belongs to the mortgagor of the borrower, and the mortgagee (lender) has the right to dispose of its assets free of charge to ensure the recovery of the loan. During the mortgage, the owner usually uses all his assets.

4. Long-term mortgage loan can last for 30 years. Long-term loans are short-term, and there is no pressure on monthly payments. Advance payment.