Short-term housing mortgage, you should also take the property right of the house you mortgaged, short-term housing mortgage, and the property right of the house you mortgaged, cool bird mortgage, short-term housing mortgage. You should also take the property right certificate of the house you mortgaged, Dooinhow mortgaged by the cool bird on other days, the property right certificate and household registration ID card of the house you mortgaged, and go through the relevant formalities at the banks in the whole district. I hope I can help you and wish you a happy new year.

What are the characteristics of short-term real estate mortgage loan? Processing short-term real estate mortgage loan process

What are the characteristics of short-term mortgage? How should property buyers handle short-term mortgage loans?

Short-term mortgage loan refers to a kind of short-term mortgage loan provided to banks by customers' existing commercial houses that can be listed and circulated. What are the characteristics of short-term mortgage? How should property buyers handle short-term mortgage loans?

1. Characteristics of short-term housing mortgage loan

Quick loan: if it is fast, you can lend money within one day to solve your urgent needs; High amount: the loan amount can be determined according to the assessed value of your property; Simple procedures: only the applicant needs to go through the relevant formalities of mortgage registration; Widely used: can be used for car purchase, decoration, consumption and other purposes; The condition is simple: as long as you have your own property, you can apply.

2. Application conditions

China citizens (including Hong Kong, Macao and Taiwan) are at least 18 years old; The lender has good credit; Have a stable income, a stable job and the ability to repay loans; Other relevant conditions stipulated by the designated bank.

3. Required materials

Personal identification, household registration book, proof of residential address and proof of marital status; Relevant certificates of personal income and assets; Relevant certificates of mortgaged house property rights; If the applicant applies to mortgage other people's property, he must also provide the identity card of the property owner (including the owner), proof of marital status, written proof of consent to mortgage, etc. If a bank is specified, other documents that meet the requirements of the bank are required.

4. Loan process

First of all, the borrower fills in the "Application for Residential House Mortgage" before the loan, and submits the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; Relevant certificates of housing rights or certificates that I enjoy the right to control housing according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

Then, the bank examines the borrower's loan application, purchase contract, agreement and related materials.

Secondly, the borrower will hand over the title certificate and insurance policy or securities of the collateral to the bank for safekeeping.

Furthermore, the guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

After that, the loan is settled, including normal settlement and early settlement. Normal settlement: settlement on the maturity date of the loan (one-time repayment of principal and interest) or settlement in the next period after the loan (installment repayment); Settlement in advance: Before the loan expires, if the borrower settles part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

What is the short-term mortgage process?

1. loan application: if the borrower wants to borrow money, the first step must be to apply for a loan, and then indicate the purpose, amount and term of the loan. 2. Submit the materials required for the loan: The borrower needs to prepare all the materials required for applying for the loan and submit them together with the loan application form. 3. Real estate appraisal: This project is under the responsibility of a specialized survey agency, which generally conducts field survey and then carries out appraisal. 4. Data review: After the data is submitted to the bank, the bank will review the borrower's data. 5. Signing a contract: Generally, there is no problem with the above processes, so the borrower needs to sign relevant documents and contracts with the bank, and also need to fingerprint. 6. Mortgage registration procedures: The bank will handle mortgage registration procedures according to the ownership of the real estate license and the loan contract. 7. Lending: The borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral). 8. The borrower shall provide: my spouse's ID card, household registration book, income certificate, personal consumption contract and proof of marital status. 9. The mortgagor shall provide: houses.