A house can be used as a mortgage, but it is your own house and there are no other co-owners, such as parents and wife.
First, mortgage bank loan procedures
1. You need to open a current deposit account with a banking institution.
Please fill in the loan application form as required, and submit the application form and required materials according to the instructions of the bank.
3. The bank manager or appointed lawyer will visit you at home to investigate the authenticity, legality and completeness of the information you provided.
4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you.
5, according to the situation for insurance, mortgage registration, notarization and other procedures.
6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract.
7. Please repay the principal and interest according to the loan contract.
Extended data:
I. Materials for applying for housing mortgage loan
1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)
2. Identity cards of the obligee and his spouse
3, the obligee and spouse's household registration book
4. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans)
5. If the property owner has minor children, please provide birth certificate.
6. If the property still has a bank loan, please provide the original loan contract and the last bank statement.
7. In order to improve the pass rate of mortgage loans, please provide as many other family property certificates as possible (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).
Second, the amount and duration of housing mortgage loans.
1, and the highest mortgage rate of commercial housing can reach 70%.
2. The mortgage rate of office buildings and shops can reach up to 60%.
3. The mortgage rate of industrial plants can be up to 50%.
4. The longest term can reach 30 years, and the mortgage includes shops, office buildings, houses, villas, factories, warehouses, etc.