Procedures required for the loan to sell the house: 1. Submit the required documents: (1) real estate license or house ownership certificate and land use right certificate; (2) ID cards, household registration books and marriage certificates of both husband and wife of the borrower. Singles need to go to the local civil affairs bureau to issue a single certificate; (3) proof of income, with official seal; 2. Housing evaluation, according to the location, floor, area and orientation of the mortgaged property. The average house can be loaned to 50-90% of the appraised price; 3. After signing the contract in person at the bank and evaluating the house, you still need to go through the formalities for examination and approval of real estate insurance and corresponding loans. If you agree to issue a loan contract and a mortgage contract, it shall be handled with the approval; 4, mortgage registration, the borrower with real estate license, loan contract to the district and county real estate bureau for mortgage registration, agency costs borne by the borrower; 5. After the loan and mortgage are registered, the bank can issue the loan to the borrower's personal savings account. Legal basis: Article 397 of the Civil Law of People's Republic of China (PRC) is mortgaged by a building, and the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together. If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage. Article 398 The right to use the construction land of township enterprises shall not be mortgaged separately. Where buildings such as factories of township enterprises are mortgaged, the right to use the construction land occupied by them shall be mortgaged together.

Second, what is the general process of selling a house and mortgage in an intermediary?

Real estate intermediary transaction process

1. The property owner goes to the intermediary company to handle the registration formalities of entrusted sales with valid certificates such as real estate license.

2. The salesman investigates and evaluates the value of the house on the spot, reaches an agreement and signs a power of attorney for the sale of the house.

3. Intermediary companies advertise (houses) through real estate information networks, newspapers, radio and other media.

4. The salesman leads the customer to inspect the house on the spot, fills in the inspection records, and negotiates the transaction price of the real estate.

5. After the customer is satisfied with the house, pay the house purchase deposit to the intermediary company in advance; The intermediary will transfer the deposit to the property owner, who will hand over the original house ownership certificate and ID card to the intermediary company.

6. Intermediary companies and property buyers hold real estate licenses to the property registration department for file inquiry and verification.

Seven, the sale, intermediary tripartite field trip; The Seller shall pay all expenses previously incurred by the House; Sign the sales contract, pay the money, and clear the house.

Eight. The three parties jointly go to the real estate transaction management department to handle the real estate transaction procedures.

Nine. The buyer will collect the Property Ownership Certificate from the Property Registration Office within 20 working days.

3. What is the mortgage process for selling houses?

1. The buyer and the seller apply to the real estate trading center for property right transfer with the sales agreement, ID card and real estate license; And declare the transaction price; 2. The real estate trading center evaluates the real estate price according to the actual transaction situation; 3. The buyer pays the deed tax to the financial department, the seller declares and pays the business tax and personal income tax to the local taxation bureau, and the buyer and the seller pay the transaction fee and production fee to the real estate transaction department; 4. Waiting for the "Property Ownership Certificate"; 5. The buyer takes the new real estate license and the original land use right certificate to the land and resources department to go through the formalities for changing the land use right, pay the production fee and get a new land use right certificate.

4. What are the procedures and processes for repaying the loan in advance?

Step 1: First, check the requirements of prepayment in the loan contract, and pay attention to whether it is necessary to pay a certain penalty for prepayment.

Step 2: Inquire about the application time and latest information of prepayment.

Step 3: Apply in person according to the requirements of the bank.

Step 4: The borrower takes the relevant documents to the borrowing bank and goes through the relevant formalities of prepayment.

Step 5: Submit the prepayment application form and deposit it at the counter.

Precautions for advance payment:

Don't forget to make an appointment with the bank to repay the mortgage in advance. There is always time to wait. At present, most banks do not charge liquidated damages for repaying loans in advance, but please ask before going through the formalities. Banks have different restrictions on the number of early repayments and the minimum repayment amount within one year. Please consult in advance.

Remind borrowers that if property buyers pay off the loan balance in advance, they can apply to the insurance company for surrender. When surrendering, the original policy and the loan policy are kept by the loan bank, and the copy of the policy is kept by the buyer. ) The loan amount shall be paid by the buyer according to the actual loan period.

Five ways to repay the loan in advance

To plan a cash withdrawal, you must first understand five ways of prepayment:

1. Full prepayment, that is, the customer pays off all the remaining loans at one time;

2. Some loans are repaid in advance, the monthly repayment amount of the remaining loans remains unchanged, and the repayment period is shortened.

3. Partial prepayment, with the remaining repayment period unchanged;

4. Partial prepayment, the monthly repayment amount of the remaining loans is reduced, and the repayment period is shortened;

5. Individual banks allow borrowers to have a surplus and increase the monthly repayment amount, thus shortening the repayment period.