Mortgage can be lent, and the lending process is as follows:

1. After reaching an agreement, both parties sign a house purchase and sales contract;

2. Submit the remortgage to the bank with the consent of the lending bank, and submit relevant materials and guarantee fees;

3. The buyer looks for a guarantee institution and issues a guarantee power of attorney, and the seller issues a sales commitment letter to the bank, guarantee institution or intermediary institution;

4. After the approval of the bank, the seller goes to the bank to handle the loan repayment procedures and cancel the mortgage registration procedures;

5, the housing management department for real estate transfer procedures;

6. The buyer can sign a loan contract at the loan bank and handle mortgage registration and other related procedures.

There are some differences in the process of each bank, which is subject to the provisions of the lending bank.

Second, how to transfer ICBC mortgage to mortgage?

The general process of mortgage to mortgage is as follows:

(1) During this year, Bank A generally implemented the preferential interest rate of 10%- 15% for first-time mortgage customers.

(2) Bank B has launched a mortgage loan business with a preferential interest rate of 30%, and normal customers can apply to the bank.

(3) Bank B examines the credit of real estate and borrowers.

(4) After approval, Bank B helps to settle the user's loan in Bank A. ..

(5) Users apply for mortgage business in Bank B and enjoy real-time preferential interest rates. For the transferor of the house, it is mainly necessary to provide the application form for "lending", the original and copy of valid ID card, the original loan mortgage contract and the application form for early repayment. The buyer needs to prepare all the information of ordinary mortgage and sign the transfer contract, agreement or letter of intent with the original borrower.

3. How to deal with the mortgage interest rate of ICBC?

There is usually a discount of 15%. The monthly contribution is about 1 10,000 yuan at 58 yuan per month and about 1500 at 260,000 yuan per month. Bank loans are calculated on a monthly basis according to the loan term used by customers. If the customer insists on it for 30 years, it needs more than twice the principal and interest.

4. Can ICBC handle mortgage to mortgage?

If you refinance the mortgage, do you have the conditions now? Now there is a farmer's uncle who wants to buy apples. I don't know if it's ok.

Anyone can buy it. But it must be transferred. The mortgage is not transferable.

How to calculate the liquidated damages if the bank is sold in full? (It has been repaid for 7 months. A total of 20 years of loans)

If it is sold in full, it is necessary to pay off the bank loan in advance and then transfer the ownership.

If the loan is less than one year, the penalty for prepayment is about three months' interest (see the terms of the contract).

I suggest that you wait for one year before repaying in advance, so that you don't have to pay liquidated damages.

It's still 10 thousand a month If you want to pay in advance now, you still need it now.

The current situation is that the loan is only repaid for 7 months; Then the remaining principal should be around 6.5438+0.75 million. Plus the penalty interest, it should still be 654.38+0.8 million, almost.

If the buyer has a bad reputation (two years ago), can I apply for a commercial loan now?

Buyers applying for commercial loans are determined by the degree of bad credit record.