How to handle real estate mortgage loan?
First, the housing mortgage loan company process:
1, submit the materials first;
2. Then go to the housing transaction hall to receive the materials;
3. Get the license within ten working days;
Two, mortgage registration must be submitted materials:
1. Original registration application;
2. The identity certificate of the applicant;
3. If the purchased public housing is mortgaged, submit the original purchase contract; If the public housing mortgage has been purchased, the original of the confirmation form for the listing and sales of the central delivery house shall be submitted;
4. State-owned land use certificate (full real estate);
5. Original creditor's rights contract and mortgage contract;
6. Property ownership certificate (original and photocopy). * * Some houses need to submit * * * ownership certificate (original and photocopy) and the original written opinion of * * * people agreeing to mortgage (except that * * * people have signed a mortgage contract); If the house owned by * * * is mortgaged with its share, it is not necessary to provide the ownership certificate of other * * owners and the written certificate that * * * people agree to mortgage;
7. If the mortgage advance notice registration is not handled and the house transfer registration and mortgage registration are handled at the same time, the original price of the loan signed by the mortgagee to the lender after receiving the house ownership certificate shall be submitted;
8. The original list of houses (real estate development projects) that have been sold and registered for transfer identified by the mortgage parties.
What should I pay attention to when handling real estate mortgage loan?
1: The property mortgage needs to be the property in the borrower's name. If it is owned by a third party, a statement that someone agrees to the mortgage loan must be issued at the time of mortgage;
2. In the marriage certificate provided, if there is divorce, it is necessary to submit a divorce agreement or a court judgment; If you are single after divorce, you need to provide proof that you have not remarried after divorce;
3. Need to clarify the purpose of the loan. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, and consumers should pay attention to policy risks.
It is impossible to apply for a mortgage loan for a house that has not paid off the loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again.
5. Small property houses have no right to trade real estate mortgage loans. This is because small property houses have no property rights and may be eliminated under the policy of land use planning, so financial institutions will not mortgage such properties.
Know how to apply for real estate mortgage loan. What problems should be paid attention to when handling real estate mortgage loan? The whole process of handling mortgage loan is not very complicated, because in many steps, the complicated procedures are skipped and there are enough strategies. As long as you can spare some time to do a thorough investigation, it is not difficult to comprehensively handle loans. Of course, you should look at some preventive measures to avoid any accidents.