Personal mortgage loan means that the borrower mortgages the property in his own name and applies to the loan bank for RMB loans for personal legal and compliance purposes, including personal house purchase, car purchase, consumption, business and other legal and legal loan purposes.
Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing. The borrower must provide a guarantee when applying for a personal housing loan.
Second, the application materials are different.
Individual housing mortgage loan contract:
property ownership certificate
Identity cards of the obligee and his spouse.
Household register of obligee and spouse
Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
profit and loss statement
If the owner of the real estate license has minor children, please provide birth certificate.
If the property still has a bank loan, please provide the original loan contract and the last bank statement.
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.). )
Individual housing loan and guarantee contract:
Identity cards of the borrower's husband and wife (original and photocopy)
Household register (one original)
Marriage certificate (original and copy)
If you are unmarried, you need to fill in the declaration of unmarried, and our bank will keep the original.
Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (one original and one copy each).
Copy of the property right certificate of the complete house actually owned by the family members (including the borrower, spouse and minor children) to be purchased.
Third, the operation process is different.
Individual housing mortgage loan contract:
1. Apply for a loan
2. Check customer information
3. Lender pairing
4. Apply for notarization mortgage
Lend money on the same day as he proves.
Individual housing loan and guarantee contract:
1. loan consultation: learn about the object, loan conditions, loan amount, term, interest rate, repayment method and loan procedures of individual housing loans through outlets, telephones or websites;
2. Loan application: submit the materials required by the bank to apply for personal housing loan;
3. Sign a contract: After the customer's application is approved, sign a housing loan contract with the bank;
4. Loan issuance: when the conditions are met, the bank will issue loans according to the contract;
5. Customer repayment: the customer repays on time according to the contract;
6. Post-loan service: customers enjoy new products and value-added services provided by banks.
Reference source: Baidu Encyclopedia-Personal Housing Loan
Reference source: Baidu Encyclopedia-Personal Housing Mortgage Loan