How to apply for a home mortgage loan

In order to cater to the needs of more people, real estate mortgage loans have become a popular choice for many people to obtain mortgage loans, but applying for a personal real estate mortgage loan requires If certain conditions are met and specific information needs to be submitted, how to apply for a real estate mortgage loan?

House mortgage loan application process:

1. Loan application

The borrower proposes the purpose, amount and term of the loan to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Prepare loan information

If it is a personal house mortgage loan, you need to provide: identity cards of yourself and your spouse, household register, income certificate, corresponding contract for personal consumption, marital status Proof, house ownership certificate.

If a company needs to mortgage real estate, the required materials include: three business certificates, account opening license, company articles of association, company capital verification report, purchase and sale contract, the last six months' business records, and last year's annual financial statements. Statements, financial statements and asset certificates for the past six months (different materials will be provided according to different banks).

3. House inspection and evaluation

After submitting the above materials, the bank will conduct on-site inspection and evaluation of the mortgaged property based on the submitted materials.

Each link is an important part of the real estate mortgage loan process. This link directly determines the amount of your home mortgage loan. Generally speaking, there will be a certain difference between this evaluation and the market price. , because the evaluation agency will consider multiple factors.

4. Apply for loan approval

Submit all loan review materials and appraisal reports or appraisal opinions to the bank for approval. At this time, loan customers must pay attention and prepare all the information. If there is any missing information, it will affect the loan progress.

5. Mortgage registration procedures

The bank will go to Chaquanchu to handle the mortgage registration procedures with the house ownership certificate and the notarized loan contract.

Information required for a personal real estate mortgage loan

1. Original property certificate

2. The borrower’s transaction records in the past six months

3 , Other documents, certificates, etc. required by the applying bank

4. ID cards, marriage certificates, and household registers of the borrower and his wife

5. Contact the appraisal company designated by the applying bank Evaluation report

How to apply for a real estate mortgage loan?

The methods for applying for a real estate mortgage loan are as follows:

1. Loan application: The borrower proposes the purpose of the loan and the amount and time limit.

2. Prepare loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for loan application as required; including the spouse’s ID card, household register, income certificate, and corresponding contract for personal consumption. , Proof of marital status; house ownership certificate, ID card of the owner and spouse, household registration book, and proof of marital status.

3. House inspection and evaluation: Relevant agencies will conduct on-site inspection and evaluation of the mortgaged house.

4. Apply for loan approval: Submit all loan application materials together with the appraisal report or survey opinion to the bank for approval.

5. Notarization of the loan contract: After the borrower and the mortgagor fill in the (loan contract) and all relevant documents, sign, and stamp their fingerprints, the notarization will be notarized by the notary.

6. Mortgage registration procedures: The bank will go to the property rights office to handle the mortgage registration procedures with the house ownership certificate and the notarized loan contract.

7. Account opening and lending: The borrower opens a repayment account and the bank lends money to the account.

Loan conditions:

(1) Have legal status.

(2) Have stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record.

(3) There is a legal and valid house purchase contract.

(4) Those who use the newly purchased house as the maximum amount of mortgage must have a legal and valid house purchase contract, the house must be less than 10 years old, and no less than 30% of the total price of the house purchased must be prepared or paid. % down payment.

(5) If you have purchased and applied for a house mortgage loan, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the house used as mortgage has already been acquired. Ownership certificate, house age is less than 10 years.

(6) Be able to provide an effective guarantee recognized by the lending bank.

(7) Other conditions stipulated by the lending bank.

How to get a house mortgage loan

When people inevitably encounter financial difficulties, it is sometimes inconvenient to borrow from relatives and friends. Mortgage loans on real estate are a quick and efficient way. . However, many people are applying for a mortgage loan for the first time and are not very clear about its operation process. It doesn’t matter, let’s learn how to get a house mortgage loan.

1. First go to a regular bank to apply for a loan

Bring the original real estate certificate, original ID card, household register, and if married, bring your spouse’s ID card and property*** If you have the certificate, marriage certificate of both parties and proof of income (mainly depends on your repayment ability), take these documents to the professional credit department of the bank to apply.

2. Door-to-door evaluation

After the application is approved, bank staff will come to your property to conduct an evaluation to see if the loan amount can pass the review standards.

3. Sign the contract

If you pass the evaluation and start signing the contract, the contract must be made in triplicate, one for the bank and one for the husband and wife. When signing the contract, you must Two people are present at the same time. If one party cannot be present due to special circumstances, a power of attorney with the fingerprints of the parties concerned needs to be issued. When signing a contract, read every clause in detail to avoid unnecessary disputes later.

4. Waiting for the loan

After signing the contract, you must get a repayment passbook to use for future repayments. Then it’s time to wait for the loan. It can take as fast as half a month to twenty days, or as slow as a little more than a month, depending on the efficiency of the local bank.

5. Repayment

Remember that repayment is a special, special, and extremely important thing. Try to repay before the repayment deadline. Do not repay after the due date, otherwise It will leave a bad repayment record. If you get a loan in the future, the bank will most likely reject your loan application, and you will be penalized with interest if it exceeds the date. So be sure to remember.

Summary: The process of applying for a house mortgage loan may be different in each region. You can go to your local bank for consultation. Finally, I would like to remind everyone again that after getting a house loan, you must remember to repay it on time to avoid unnecessary trouble.

How to apply for a house mortgage loan

The detailed process for applying for a house mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the mortgage The value of the property; 3. The lending institution preliminarily reserves the loan amount; 4. Handles the entrustment notarization and loan notarization; 5. The lending institution collects relevant documents of the applicant; 6. Handles the mortgage registration procedures, and the mortgage institution provides the loan. It is recommended to choose Morron for home mortgage loans. No-pledge mortgage loans can be disbursed in as fast as 1 day. You can also apply at apartment stores. No-pledge car loans can be disbursed as quickly as 2 hours. It is worth choosing. Submit required documents. Home inspection. Evaluate based on the location, floor, area, orientation, etc. of the collateral. After the house appraisal, you also need to go through the real estate insurance procedures and the corresponding loan approval procedures, and agree with the approval to issue the loan contract and mortgage contract. Mortgage registration. The borrower takes the real estate certificate and loan contract to the district or county real estate bureau where the property is located to handle the mortgage registration procedures, and the agency fees are borne by the borrower. Loans. After the mortgage is registered, the bank can disburse the loan to the borrower's personal savings account.

How to get a house mortgage loan

1. Go directly to the bank. The following conditions must be met:

a. The house needs to meet bank requirements: Under normal circumstances, banks accept properties that are less than 20 years old, have clear property rights, and can be listed and traded.

b. The credit situation is consistent: The account manager of this bank will help you check your credit situation. If the credit is too bad, the bank will not accept it.

c. The homeowner’s repayment ability: It is not enough for you to have collateral, but you must also have the ability to repay the loan. That means having a stable income. For example, if you take a 10-year loan, your monthly repayment will be around 12,000. You must be able to repay the monthly payments and maintain your livelihood.

2. Entrust a guarantee company to handle it. The process and conditions are basically the same as those of banks, except that the procedures are run by the guarantee company. Guarantee companies have long-term cooperation with banks, so they have advantages in interest rates, processing speed, and lending than individuals going to banks. Of course, customers have to bear a certain service fee.

The basic process is as follows: sign a loan contract - evaluate the house - loan approval - mortgage registration with the construction committee - loan

Time: generally takes about 1 month

Conditions for applying for a real estate mortgage loan:

1. The applicant is over 18 years old,

2. Has a stable job and income, and good personal credit;< /p>

3. Other conditions specified by the applying bank.

4. It is generally required that the age of the property cannot be too high (generally few banks will accept properties over 20 years old)

5. It is generally required that the property cannot have a mortgage (or Even if the mortgage loan is not paid off), unless the previous loan can be paid off before the loan is disbursed.

Extended information:

Housing mortgage loan is a loan that a bank legally obtains from the borrower’s real estate, securities and other certificates through certain contracts in order to ensure the safety of the loan. A loan made to a borrower based on a lien or charge on his or her property. This kind of loan is actually a legal transfer of property ownership by the debtor (mortgagor) to the creditor (mortgagee) to obtain a loan. During this period, if the debtor cannot repay the loan principal and interest on time, the creditor has the right to dispose of the mortgaged property and Loans that can be repaid first.

This kind of loan can reduce the creditor's loan risk and provides the most effective guarantee for the creditor to recover the loan. The use of mortgage loans in housing credit is based on the safety, liquidity and profitability of bank operating funds. Since most of the borrowers of this housing loan are individual residents, it is impossible for the bank to clearly understand the borrower's financial strength and creditworthiness, which increases the risk of bank loans, and mortgage loans are precisely when loan risks are relatively high. , providing creditors with an effective guarantee to recover their loans. Therefore, banks mostly use mortgage loans to provide housing loans to individual residents