Real Estate Mortgage Loan Process

The real estate mortgage loan application process is as follows:

1. The borrower submits a mortgage loan application to the bank and provides relevant documents required by the bank. supporting materials.

2. After receiving the loan application, the bank will review the materials provided by the borrower.

3. After passing the review, the borrower will hand over the property title certificate and insurance policy to the bank as collateral.

4. The bank and the borrower sign a housing mortgage loan contract and have it notarized.

5. After the notarization is completed, the bank will directly transfer the loan to the bank account of the sales unit specified in the contract.

6. The borrower begins to repay the bank loan on time.

Notes on house mortgage loans

1. The mortgaged property needs to be in the name of the borrower. If the mortgaged property is owned by someone else, a certificate of approval must be issued. Mortgage Statement.

2. It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, purchasing large-scale household durable consumer goods, studying abroad, etc.

3. Borrowers who are divorced need to submit a divorce agreement or judgment. If they are not married after the divorce, they also need to submit proof that they are not married after the divorce.

4. Real estate mortgage loans cannot be applied for houses with small property rights. Real estate mortgage loan transactions are only possible if the property rights are clear.

What is the real estate mortgage loan process?

Today, most people use bank loans to buy new houses. After all, the house payment is far higher than what people can afford. So what are the real estate mortgage loan processes and the application conditions for real estate mortgage loans? Do you know it? Now let’s take a look.

1. Real estate mortgage loan process

1. The borrower needs to prepare ID card, household register, house purchase contract, and other materials;

2. Go to the bank to print Six months of bank statements;

3. Apply for a loan to the bank, and the loan amount cannot exceed 70% of the total property value;

4. The bank will review the materials and apply after approval Relevant loan procedures;

5. The bank will keep the real estate certificate and provide the loan to the developer.

2. Application conditions for real estate mortgage loans

1. The individual applying for the loan must have the capacity for civil conduct and must be between 18 and 65 years old. If the borrower is a foreigner or a resident of Hong Kong, Macao and Taiwan, he or she will also need to provide proof of residence for one year and a fixed residence and job in the country.

2. Individuals applying for loans must have legal household registration certificates, marital status certificates, and ID cards. If you are not married, you also need to go to the marriage office to issue a certificate of unmarried status.

3. Individuals applying for loans must have a good credit record and a willingness to repay. If there is a credit problem, it is best to eliminate it in advance.

4. Individuals applying for loans need to have a stable job income and the ability to repay principal and interest on time.

5. The housing mortgage resources provided by the individual applying for the loan are legal and valid, and the housing supply is very reliable.

6. Individuals applying for loans need to open a personal settlement account with Silver Card.

7. Other conditions specified by the bank.

This is the introduction to the real estate mortgage loan process and the requirements for a real estate mortgage loan. Do you understand it? If you need to apply for a real estate mortgage loan, you need to prepare all the materials. And you must have the ability to repay, otherwise the pressure will become very great later.

Conditions and procedures for home mortgage loans

Process for home mortgage loans

1. Submit a loan application: The borrower submits the purpose, amount and amount of the loan to the financial institution. Deadline for application.

2. Submit loan information: borrower’s ID card, statements for the past six months, work certificate, credit report and house ownership certificate, etc.

3. House inspection and evaluation: After all materials are submitted, the bank will conduct on-site inspection and evaluation based on the mortgaged house.

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

4. Loan application: The house appraisal company will submit the appraisal report or survey opinion to the bank for approval.

5. Sign a loan contract: The borrower signs a loan contract and all related documents, signatures, and fingerprints with the lending institution, and they are notarized by a notary.

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

7. Bank lending: Due to different regulations of each bank, they will lend funds in the form of cash, card or remittance to cooperative merchant accounts.

You can apply directly on the Yunkuai Loan platform. After submitting the information, it will be reviewed quickly and the payment will be issued quickly without delaying the business~

What is the process of house mortgage loan?

Real Estate Mortgage Loan Process: According to Chinese law, mortgage house purchase refers to the method of purchasing a house by mortgaging the property rights to the bank and obtaining loan funds from the bank to pay for the house. To purchase a house with a mortgage, you need to go through mortgage registration, mortgage the house to the bank, and the bank becomes the mortgagee.

Legal Basis

Article 394 of the Civil Code

In order to guarantee the performance of a debt, the debtor or a third party shall not transfer possession of the property , if the property is mortgaged to a creditor and the debtor fails to pay due debts or a situation occurs that realizes the mortgage rights as agreed by the parties, the creditor has the right to receive priority payment for the property.

The debtor or third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property providing guarantee is the mortgaged property.

Mortgage home loan process

1. The applicant provides information to the lending institution;

2. Investigate the applicant and estimate the value of the collateral;

3. The lending institution initially reserves the loan amount;

4. Processes entrusted notarization and loan notarization;

5. The lending institution accepts relevant documents from the applicant;

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6. Go through the mortgage registration procedures, and the mortgage institution will lend money. It is recommended to choose Morlon to apply for a mortgage loan. The unsecured loan can be received in the fastest one day. It can also be applied at the apartment store. The unsecured loan can be processed in the fastest two hours. It is worth choosing.

Submit the required documents. Assess the house. Evaluate based on the location, floor, area, and orientation of the collateral. After the house is appraised, you need to go through the real estate insurance procedures and the corresponding loan approval procedures. After approval, a loan contract and a mortgage contract will be issued with the approval document. 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. The agency's fees are borne by the borrower. Borrow money. After the mortgage is registered, the bank can disburse the loan to the borrower's personal savings account.