Of course.

First, the housing mortgage loan application conditions:

1. The nature of the house; Residential, office buildings, villas, commercial housing, cost housing, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years.

2. The mortgagor (normal age 18-65 years old) is in good health.

3. The mortgagor shall not participate in the credit investigation in recent 24 months.

4. Other assets that the mortgagor can prove the source of repayment (large certificates of deposit, second house property, stocks, funds, etc.). ).

5. The actual use of funds is clear.

Secondly, prepare information:

1. Original and photocopy of ID card and household registration book of borrower and spouse (if single, single certificate is required)

2. Proof and copy of the borrower's marital status

3. Family property, car ownership certificate and photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate)

4. Statement of personal main bank account in the past 6 to 12 months (with bank seal)

5. Work unit income certificate

6. Proof materials such as family private lending.

7. Evaluation report

Third, the process of housing mortgage loan:

1. Submission

2. Sign bank documents

3. Housing assessment

4. The bank passed the audit

5. Bank loans

6. Mortgage registration

7. Repay the loan on a monthly basis

Can rural credit cooperatives use houses as mortgage loans?

On the premise that the house has a real estate license, you can apply for a mortgage loan with a real estate license. The specific process is as follows:

Lender and mortgaged house: Lender:

First of all, the actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old; Secondly, there are permanent residences and fixed residences; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; Third, willing and able to provide real estate mortgage recognized by the lender; Fourth, the co-owners of real estate recognize their relevant borrowing and guarantee behaviors and are willing to bear relevant legal responsibilities.

Status of mortgaged property:

The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage; Age of the house (calculated from the date of completion of the house)+loan period not exceeding 40 years; Mortgaged houses are not included in the local urban transformation and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; 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 co-owners to sign the materials that the lender needs to submit:

The materials that the borrower needs to provide are: ID card and household registration book; Personal income certificate (stamped with the official seal of the unit); Copy of the business license of the unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; The original and photocopy of the house ownership certificate and the original house purchase agreement; Notarial certificate of the owner and co-owner of the house agreeing to mortgage and proof of the use of the loan. Different types of houses need to prepare different materials, as follows:

First, the existing housing mortgage loan

(1) Property mortgage contract (signed by both husband and wife);

(2) proof of house ownership;

(3) Copy of land use right certificate (original inspection);

(4) A real estate appraisal report issued by a qualified appraisal agency;

⑤ Bank loan contract;

(6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the single household registration is located.

Second, the mortgage of faster house.

(1) Purchase pre-sale contract;

(2) signing a house purchase loan contract with the bank;

(3) Copy of the house purchase prepayment receipt (original inspection);

(4) A copy of the marriage certificate of husband and wife (original inspection), a certificate issued by the civil affairs department where the household registration is located;

Third, the treatment process

1. Prepare all materials, including ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and personal account bank statement for the last six months.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall submit the certificate of ownership of the mortgaged property and the insurance policy or securities to the bank for safekeeping.

4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

Can rural credit cooperatives mortgage loans?

Individuals can borrow money from rural credit cooperatives.

The loans of rural credit cooperatives are mainly divided into mortgage loans and credit loans. Mortgage is very simple. You can get a loan line by mortgaging things. The credit loan bank will give you a certain amount of loan according to your personal credit information.

Extended data:

1. What are the requirements for bank loans?

1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

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

3. Have a good credit record and willingness to repay, and have no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Second, the significance

Banks put concentrated monetary and monetary funds out through loans to meet the demand for supplementary funds for social expansion and reproduction and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation.

In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy.

Supplementary information:

Loans must meet the conditions before they can be issued.

Loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan application materials:

1. Lender ID card;

2. The credit information of the lender in the last six months, and the credit information is good;

3. The bank card under the lender's name has been flowing continuously for nearly half a year;

4. The lender's residence certificate (rental contract, real estate license, water, electricity and gas invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident funds can also be loaned on a monthly basis.

If you want to borrow a higher amount, you can make a mortgage loan, such as a house and a car.

How do rural credit cooperatives handle mortgage loans?

As long as it meets the conditions for rural credit cooperatives to handle housing mortgage loans, they can handle housing mortgage loans and issue loans in rural credit cooperatives.

I. Mortgage loan process

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor.

Legal and valid identity certificate of the borrower; Proof of the ownership of the house or proof that I have the right to control the house according to law; Appraisal report, appraisal report and insurance certificate of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall submit the certificate of ownership of the mortgaged property and the insurance policy or securities to the bank for safekeeping.

4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: settlement on the maturity date of the loan (one-time repayment of principal and interest) or settlement in the last installment of the loan (installment repayment);

② Early settlement: Before the loan maturity date, if the borrower settles part or all of the loan, he must apply to the bank in advance according to the loan contract, and the repayment will be made at the designated accounting counter after the approval of the bank.

After the loan is settled, the borrower will take back the legal documents and related certification materials extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Second, the housing mortgage application conditions:

1. The nature of the house; Residential, office buildings, villas, commercial housing, cost housing, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years.

2. The mortgagor (normal age 18-65 years old) is in good health.

3. The mortgagor shall not participate in the credit investigation in recent 24 months.

4. Other assets that the mortgagor can prove the source of repayment (large certificates of deposit, second house property, stocks, funds, etc.). ).

5. The actual use of funds is clear.

Three, the preparation of housing mortgage information:

1. Original and photocopy of ID card and household registration book of borrower and spouse (if single, single certificate is required)

2. Proof and copy of the borrower's marital status

3. Family property, car ownership certificate and photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate)

4. Statement of personal main bank account in the past 6 to 12 months (with bank seal)

5. Work unit income certificate

6. Proof materials such as family private lending.

7. Evaluation report