Mortgage loan process in small loan company: 1, prepare materials; 2. Apply for a loan; 3. Institutional review, in which the lending institution reviews the qualifications of the borrower and the house; 4. Housing evaluation; 5. Determine the plan; 6. issue loans; 7. The borrower repays the loan on schedule until it is fully paid off, the house mortgage is released and the loan process is completed.

Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

Housing mortgage is a real estate license mortgaged by a loan company.

Both mortgaged and unsecured.

Housing mortgage loan refers to the buyer's application for housing mortgage loan to the bank, and provides ID card, income certificate, housing sales contract, guarantee and other legal documents and other supporting documents.

After passing the examination, the bank promises to issue loans to the buyers, and handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers.

As for whether the real estate license needs to be mortgaged in the bank, the specific practices of different banks in different cities are different.

Extended data

The significance of real estate mortgage loan is as follows:

1. Provide financial support for real estate development and operation.

Because real estate development has the characteristics of large investment and long construction period, it needs a lot of money from all sides to run, and it is difficult to maintain it only by developers' own funds.

2. Support housing consumption

Whether from abroad or from the practice of domestic housing commercialization development, buying a house is not an easy task.

3. It is beneficial for banks to develop new business and reduce credit risk.

Real estate is one of the pillar industries of the national economy. Through the reform of housing system, housing, as a consumer product, has entered thousands of households, with great market and development potential. The timely provision of mortgage loans by banks is helpful to broaden the supply market of real estate debt funds.

4. It is conducive to promoting the development of the whole real estate system.

Although the real estate market in China has developed for more than 10 years, and some years are the "bright spots" of national economic development, the whole real estate market is still very backward and the market system is still imperfect.

5. Conducive to the government's macro-control.

While promoting the development of the real estate market system, housing mortgage loan is also an effective tool for the government to carry out macro-control.

6, is conducive to improving the housing conditions of residents.

Housing mortgage loan can improve residents' housing conditions and living standards. For example, the United States can not only meet the housing needs of its residents in quantity, but also reach a higher level in the quality of life.