I want to use a house loan. How to borrow it?
1. Submit a loan application to the bank: the purpose, amount and term of the loan should also be stated in the loan application.
2. Submit loan information: If an individual applies for a house mortgage loan, he/she needs to provide the borrower's ID card, recent work certificate, credit record, real estate license, etc. Enterprises that mortgage real estate loans need to provide business licenses, enterprise capital verification reports, financial statements for the last six months, and asset certificates.
3. Housing evaluation: After submitting the information, the bank will conduct on-the-spot investigation and evaluation of the mortgaged property.
4. Apply for a loan: After that, the housing appraisal company will send the appraisal report to the bank for approval.
5. Signing a loan contract: The borrower and the lending institution need to sign a loan contract, sign it, press the fingerprint, and be notarized by a notary.
6. Mortgage registration procedures: the bank shall go to the real estate office for mortgage registration with the house ownership certificate and loan contract.
7. Bank Lending: After the mortgage registration formalities are completed, the bank lends money and remits the funds into the cooperative merchant's account in cash.
What are the mortgage conditions of real estate?
1. The borrower must be at least 18 years old, have good personal credit, have a stable job and income source, and be able to repay the loan.
2. Mortgaged houses must be commercial houses. Houses that can be traded in the market, houses with small property rights, farmhouses and welfare houses cannot be used as mortgaged properties.
3. There is no other mortgage record, and the mortgaged house is not included in the urban demolition plan.
4. The property right of the house must be clear, and it can be owned by itself or * * *, but * * has a real estate demand * * * and the owner agrees to mortgage it.
5. The house must have considerable appraisal value in order to ensure a large loan amount and strong liquidity of the house.