First, housing mortgage loans are loans from banks with real estate as collateral.

1. The collateral of the mortgage loan is the borrower's house.

2. The borrower needs to have a fixed job to repay the loan.

3. The loan amount is 50% of the appraised value, which will be appraised by the appraisal company designated by the bank (taking photos for good appraisal in the future or auction without repayment). The evaluation value is generated according to the age of the house, supporting facilities, popularity of residential projects and other related factors. Generally, the evaluation price will be lower than the market price of the house because the bank wants to control the market price.

Two. The mortgage loan process is as follows:

1. The borrower applies for a loan from the bank and prepares the loan information 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 shall sign a loan contract.

6. Bank audit: the bank will audit the borrower according to the information submitted by the borrower and the borrower's own qualifications, and will verify the audit by telephone.

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 with the housing property certificate, loan contract to the Housing Authority for mortgage registration.

9. Regarding the line of the branch, and the branch applies for the line of the head office.

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