All loans are repaid to other property ownership certificates and loan settlement certificates, and the property is mortgaged. So you can cancel the mortgage.

Be sure to pay off the loan on time, otherwise it will affect.

The following behaviors will affect personal credit information, whether it is loans or small details of life. Personal credit information is everywhere:

Arrears of 1, water charges, telephone charges and other related expenses will affect your personal credit information. Therefore, Bian Xiao, Jin Fang's office, reminds everyone to pay attention to the small details in life.

2. Whether the borrower's debt is too high. Most people have more than 50% of the borrower's monthly income, and the monthly repayment of credit cards exceeds 50% of the borrower's monthly income, which will be included in the bad credit information system.

3. The borrower applies for personal loan default. Loans; As for the recent and two-year loan extension records, they will also be included in the credit record list.

4. The borrower's credit card is overdue. This is the most common in rasterization. If the cardholder forgets to repay the loan or has been in arrears, the credit report within one year is a report that records everyone's daily use of credit cards and loans and reflects personal credit status.

When applying for a loan from a bank, you should not only provide the corresponding income certificate, but also inquire about the personal credit record report. So, personal credit report

Personal credit report plays an important role in the field of housing loan and credit. Personal paper report.

First of all, you need to check your personal credit report before using the card. Personal credit has a bad record, and banks or other lending institutions will not lend;

Secondly, people with good credit are not only more likely to apply for loans, but also have higher loan quotas; Finally, people with bad personal credit records will pass because of your personal credit.

Personal credit is very important in this society. Employers usually consider people with bad credit records when recruiting. If there are bad records on personal credit records, especially those on the "blacklist" of banks, it will be more difficult to get loans.

2. I have a property. Can I get a mortgage? How to deal with it?

At present, the so-called multiple loans generally only accept two mortgages, and there is generally no institution to handle the third mortgage. In the second mortgage, it is generally required that the first loan is a bank mortgage loan with a repayment period of at least half a year.

At present, the real estate market in two mortgage has become more popular, and a few banks and some lending institutions are handling it.

The amount of two mortgage loans:

Bank requirements

: The appraised real estate price minus 50% of the existing loan amount = the maximum loan amount (the loan amount must be above 500,000); The mortgage loan must be a mortgage loan; Bank interest:

Bank's second mortgage interest is generally around 6%~ 10% (suitable for long-term use); Lending institutions require:

The appraised price of real estate minus 65% of the existing loan amount = the maximum loan amount (the loan amount must be greater than 250,000); Lending institution interest:

The monthly interest rate of the second mortgage of the lending institution is generally around 0.88%- 1.5% (suitable for short-term emergency use); A few institutions are willing to make this mortgage, and even if there is, the interest is high.

Under what circumstances can I not apply for a second mortgage?

(1) The original real estate loan is a real estate mortgage loan, so it is impossible to apply for two mortgages (the first mortgage loan must be a mortgage loan);

(2) The repayment time of mortgage loan is less than 1 year, so it is impossible to apply for a second mortgage;

(3) The property has been hit by the highest creditor's rights of the bank, so it is impossible to apply for a second mortgage (the so-called highest creditor's rights means that when the bank registers the mortgage of the property, regardless of the loan amount, the bank has registered the creditor's rights according to the total price of real estate assessment to prevent the customer from re-mortgage);

(4) The mortgage loan contract states that it is not allowed to apply for a second mortgage, so it is impossible to apply for a second mortgage;

(5) The property owner is over 70 years old, or under 18 years old, and cannot apply for a second mortgage;

(6) The loan amount is less than 300,000, so it is impossible to apply for a second mortgage; (real estate assessment price minus 60% of the existing loan, the remaining amount must be greater than 300,000).

(7) If the house is over 25 years old or the area is less than 35 square meters, it is impossible to apply for a second mortgage;

(8) The property has been opened (two properties have been opened into one set), or it has been marked as illegal construction, so it is impossible to apply for a second mortgage;

Recommended reading:

Boring research: how do you deal with real estate in two mortgages (detailed article)

Boring research: can a house be refinanced with a mortgage?

Dull research: the current repayment methods of real estate mortgage loans and their advantages and disadvantages comparison

Third, how to handle the mortgage loan procedures?

This paper introduces the materials, matters needing attention, loan process and cancellation procedures of housing mortgage loan, and emphatically introduces the process cost of mortgage registration, so as to provide guidance for readers who need to apply for housing mortgage loan. Information required for housing mortgage loan: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book and marriage certificate are required. ) Housing mortgage loans need attention: 1. Only collateral can be used for loans, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. The process of mortgage loan: 1. Apply for a loan from a bank; 2. After the acceptance of the bank, evaluate the value of the mortgaged property and verify the loan amount according to the evaluation value; 3. Sign a loan contract, etc. ; 4. Apply for real estate mortgage registration; (a) mortgage housing registration standards where the housing on the state-owned land in the urban areas of this Municipality has clear ownership, complete sources of property rights and complete procedures. 2 mortgage registration procedures There is no charge for mortgage registration. This business is accepted in written form and needs to go through four stages: acceptance, examination, decision and notification. To handle this business, you need to submit the following application materials: application form; Mortgage contract; Housing ownership mortgage, submit the "housing ownership certificate" and "state-owned land use certificate"; If the project under construction is mortgaged, the construction project planning permit and building construction permits shall also be submitted; If the pre-sale of commercial housing is mortgaged, the pre-sale contract of commercial housing registered for pre-sale shall be submitted; If the house owned by * * * is mortgaged, the house ownership certificate of * * and the certificate of * * agreeing to mortgage shall be submitted; If it needs to be approved by the relevant departments according to law, it needs to submit the documents that the relevant departments agree to set up the mortgage right; If the mortgagor's identity certificate or legal person qualification certificate entrusts an agent to apply for registration, the power of attorney and the agent's identity certificate shall also be submitted; Other relevant supporting materials. (3) application materials for mortgaged houses and house ownership certificates; Mortgage application form; Mortgage contract;

4. What are the procedures for housing mortgage loan?

First of all, answer directly.

The procedures of individuals and enterprises are different.

Second, the specific analysis

1, personal housing mortgage loan.

Real estate license, borrower's identity certificate, obligee's household registration book, borrower's married or unmarried certificate, borrower's work and income certificate, real estate mortgage loan application, real estate appraisal report, notarial certificate, mortgage formalities receipt.

2. Enterprise housing mortgage loan.

Commercial certificate, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water in the past six months, asset certificate, financial statements of the previous year and semi-annual financial statements.

You can check your online loan big data information at: Beijian Quick Check. The database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate and comprehensive.

Third, what are the housing conditions of mortgage loans?

There are many conditions under the house, please see the specific analysis below.

Housing mortgage, housing conditions.

1. The actual age of the loan maturity date is generally not more than 65 years old.

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule.

3. Willing and able to provide real estate mortgage approved by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.

4. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages.

5. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.

6. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.