When applying for a loan, you need to submit loan materials and application forms. After passing, the real estate license needs to be mortgaged to the bank, and the bank will transfer the loan amount to the designated account, thus completing the loan process, and then the lender needs to repay the monthly payment on time.
Related knowledge supplement:
I. Matters needing attention in mortgage loan.
1. It is necessary to check the personal property certificate to see if there are any problems before handling the property mortgage. Only properties that can be traded on the market can apply for mortgage loans.
2. When lending to a bank, the bank will strictly examine the applicant's conditions, especially the borrower's repayment ability. After all, when lending money, banks have to bear certain risks. In addition, if the lender has personal credit problems, the bank will not issue loans, so as to avoid the lender running away and refusing to repay the loan.
3. In the process of handling the loan, it is also necessary to determine the individual repayment method. The monthly payment and interest of each repayment method are different. Therefore, it is necessary to determine the monthly payment according to the individual's monthly salary, and try to control it below half of the monthly salary to avoid increasing pressure.
Second, what is the mortgage loan process?
(1) Apply for a loan. The purpose, amount and duration of the borrower's application for a loan from a financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.
(2) Submit loan information. Submit application materials, including but not limited to the following contents (depending on the specific provisions of each bank's products): borrower's ID card, running water in the past six months, work certificate, credit report, real estate license, etc.
(3) Housing evaluation. After the materials are submitted completely, the bank will conduct on-the-spot investigation and evaluation according to the mortgaged house. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan.
(4) apply for a loan. The housing appraisal company submits the appraisal report or appraisal opinion to the bank for approval.
(5) sign a loan contract. The borrower and the lending institution shall sign and seal the loan contract and all relevant documents, which shall be notarized by a notary.
(6) mortgage registration procedures. The bank shall go through the mortgage registration formalities at the real estate office with the house ownership certificate and notarized loan contract.
(7) bank loans. Due to the different regulations of banks, loans will be made to the accounts of cooperative merchants in the form of cash, punch card or remittance.
(8) Repayment on schedule. This point can not be ignored, it is an important link to establish a good credit, and if it is repaid in full and on time, it will play a positive role in promoting the borrower to borrow again and find a job in the future.
(9) After the loan is settled, the mortgage registration cancellation formalities shall be handled. After the loan is settled, go to the real estate bureau for mortgage cancellation.
Third, the conditions of housing mortgage loan.
(1) A natural person who has reached the age of 18 and is under the age of 60 and has full civil capacity.
(2) Have a stable occupation and income, good credit and repayment ability.
(3) Other conditions stipulated by the bank. Personal property mortgage loan application materials: identity certificate, household registration book, marriage certificate, income certificate, property certificate, mortgage property evaluation report, loan use certificate and other materials specified by the bank.