2. Preparation of loan materials: The borrower should prepare all the documents and certificates required to apply for a loan as required.
3. Housing evaluation: relevant institutions conduct on-the-spot investigation and evaluation of real estate mortgage houses.
4. Apply for loans: real estate mortgage loans, and submit all loan application materials together with evaluation reports or investigation opinions to the bank for approval.
5. Notarization of loan contract: After the borrower and the mortgagor handle the real estate mortgage loan, they will fill in (loan contract) and all relevant documents, sign them and press their fingerprints, and then they will be notarized by a notary.
6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures with the housing ownership certificate and notarized loan contract at the housing management department.
7. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.
Conditions possessed by the lender
1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;
2. Have permanent residence and fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
3. Willing and able to provide real estate mortgage approved by the lender;
4. The co-owner of the property recognizes the relevant loan and guarantee behavior, and is willing to bear relevant legal responsibilities.
Mortgaged property status
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 age of the house (calculated from the date of completion of the house)+the loan period does not exceed 40 years;
3. The mortgaged house is not included in the local urban transformation and demolition plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;
4. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor and his spouse or other property co-owners to sign it.