2. Several requirements need to be met: the house needs to meet the requirements of the bank. Under normal circumstances, banks can accept real estate with clear property rights within 20 years and can be listed and traded.
3. The credit status is consistent. The account manager of this bank will help you check your credit status. If the credit is too bad, the bank will not accept it.
4, the homeowner's repayment ability, collateral is not enough, but also repayment ability, that is, to have a stable income. Have enough ability to repay the monthly payment and ensure their own life.
5. Entrusting a guarantee company is basically the same as a bank, except that the formalities are run by the guarantee company. The guarantee company and the bank have long-term cooperation and have advantages over individuals in terms of interest rate, processing speed and lending. Customers need to bear a certain service fee.
6. Basic process: signing a loan contract-house evaluation-loan approval-mortgage registration of the Construction Committee-lending. Time: generally, it takes about 1 month.
Extended data:
1. Information required for mortgage bank loan: personal identification, household registration book, proof of residential address and proof of marital status.
2. Personal income certificate or asset status certificate. Proof of property right of mortgaged house. If the applicant mortgages other people's property, it is also required to provide the identity card of the property owner (including the owner of * * *), proof of marital status and written proof of consent to mortgage.
3. Loan process: the borrower applies and submits relevant materials. Real estate appraisal, pre-loan investigation and approval.
4. Pass the examination and approval and go through the mortgage registration formalities. When issuing a loan, the borrower shall repay the principal and interest of the loan regularly as agreed in the contract. Settle the loan principal and interest and recover the mortgaged house.
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