Operation of Suzhou Housing Mortgage Loan

1): Meet the requirements and apply for a loan;

2) Preparation of loan application materials: The borrower will submit the documents required for the loan application.

III): Evaluation (or investigation): Relevant institutions conduct on-the-spot investigation and evaluation (investigation) of mortgaged houses.

4): Apply for a loan: submit survey opinions for approval;

V) Notarization of loan contract: the borrower fills in (loan contract) and all relevant documents, which will be notarized by a notary;

6): mortgage registration procedures: handle mortgage registration procedures with house ownership certificate and loan;

VII) Opening an account and lending: The borrower opens a repayment account and lends money to the account (Note: in principle, there are only commercial housing, housing reform housing and housing.

The interest rate is usually around 5%. Please ask me if you have any questions.

2. What is the process of Suzhou real estate mortgage loan?

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3. What steps are needed for Suzhou real estate mortgage loan?

Conditions for applying for real estate mortgage loan:

1. A legal citizen with legal status and aged between 18 and 65;

2. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank;

4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses;

5. Having assets approved by the lending bank that can be used for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lending bank. Materials to be submitted and processing procedures for applying for real estate mortgage loan: 1. When applying, the borrower applies for a loan from the bank and prepares the loan materials as required. 2. Submit materials, including my valid ID card, income certificate, work certificate, real estate license, etc. Go to the bank 3. Housing appraisal: The appraisal company designated by the bank conducts on-the-spot investigation and appraisal of the mortgaged house. 4. Submit the appraisal report, and the appraisal company will submit the appraisal report to the bank. 5. Sign a loan contract. If the borrower's qualification and mortgaged house meet the loan requirements, both parties will sign a loan contract. 6. Bank audit: The bank will conduct audit according to the information submitted by the borrower and the borrower's own qualifications, and will call for verification.

7. The bank will issue a loan letter. After approval, the bank will issue a loan letter to confirm that the loan can be made.

8. Mortgage registration. The bank shall go through the mortgage registration formalities at the Housing Authority with the property right certificate and loan contract.

9. Regarding the quota of branches, branches apply to the Head Office for the quota.

10. Bank loan. After all the formalities are completed, the bank can issue loans to borrowers.

Fourth, the process of housing mortgage loan

Housing mortgage loan handling process

1, the purpose, amount and life of the loan proposed by the borrower when applying for the loan.

2. Prepare loan materials

3. Appraisal of house-viewing: The relevant institutions conduct on-the-spot investigation, evaluation (survey) and appraisal of mortgaged houses.

4. Submit all loan application materials together with the evaluation report or investigation and evaluation opinions to the bank for approval.

5. Notarization of loan contract

6. Mortgage registration procedures

7. Bank loans.

What does the collateral include and what is the assessed value?

Collateral includes: houses, apartments, office buildings, villas and shops.

Of course, what we are most concerned about is the assessed value of collateral.

The valuation of houses and villas is about 7-90%.

The valuation of apartments, office buildings and shops can reach about 50%.

If the credit information is good, the income is stable and the source of repayment is clear, the amount will be higher.

At present, the interest of mortgage loan is 3.3%-4.25% per annum, with equal principal and interest, with interest first and principal later. The maximum term of a single loan is 6,543,800,000 years, and customers can choose the loan term according to their actual conditions.

Application conditions:

1, individuals or business owners can.

2. The property is in Chongqing.

3. At least 18 years old and no more than 70 years old.

4. Good credit information

5. There are repayment sources.

The above is the process and interest of bank mortgage loan.

One is private mortgage, which is very simple. As long as the credit information is good and the repayment source is clear, the next payment can be made on the same day. The interest amount is 300,000-3,000,000 yuan, and the interview can be conducted at a low interest rate. The term is 1 month-1 year, with interest first and capital later, and the operation is flexible.

In addition, we also handle various bank loans, such as two mortgage, decoration loans, personal credit loans, enterprise credit loans, bridge loan, mortgage loans and other products.

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