Now more people will mortgage their houses to banks and apply for loans to facilitate working capital. If you are not particularly familiar with the loan process, you might as well listen to Bian Xiao's introduction, so that you can make a good plan as soon as possible. What is the process of bank mortgage loan? What information should I prepare for the loan?

1. What are the procedures for mortgage banks to handle loans?

1. As a lender, first of all, you need to apply for a loan from the bank and fill out the application form, which should indicate the purpose and time of the loan. Relevant information also needs to be submitted for staff review.

2. The bank will review the information next. You also need to submit your identity card to the bank, including running bills, credit problems and real estate licenses. The bank will arrange staff to evaluate the house and give a specific evaluation report.

3. After the evaluation report comes down, it will be sent directly to the bank for approval. Next, if the loan is allowed and meets the requirements, the bank will sign a loan contract with you, which will also be signed and sealed, and notarized by the relevant notary office.

4. You should go through the mortgage registration formalities with the housing property certificate, loan contract and notarial certificate. Then you will wait for the bank to lend money, and then you need to repay it on time.

Second, what materials should be prepared for real estate mortgage?

1. First, you need your own valid ID card and household registration book. In addition, you'd better prepare more copies in case of emergency.

2. If you are married, you need to prepare a marriage certificate. Of course, if you are unmarried, you need to go to the Civil Affairs Bureau to issue an unmarried certificate. You need to prepare a divorce certificate if you divorce. As a spouse, you also need to prepare your personal ID card, household registration book and your own marriage certificate.

You also need to go to the bank to print out your income certificate and the property right certificate of the house.

4. If you need a guarantee, you need the guarantor to provide your own ID card, household registration book, or marriage certificate, unmarried certificate, etc.

Bian Xiao concluded: If you have a house and want to mortgage it to the bank, you need to go through a series of loan procedures. Before that, you need to prepare relevant information to cooperate with the bank's audit work. After passing, you can successfully mortgage.

Second, what is the secondary mortgage process?

Some houses are being mortgaged, but some houses are mortgaged again as collateral. How should I get a loan for the second mortgage? The second mortgage needs to apply for a second mortgage application to evaluate the value of the property, mainly to evaluate its appreciation potential, and then give reference value according to the evaluation results. 2. Owners need to issue personal identification certificate, property certificate, income certificate and other certification materials required by banks when handling the secondary mortgage of houses. Bring all the information to the bank for face-to-face signing, and sign the housing application form in two mortgages. 4. The bank will review the property and calculate the loan amount. 5. After the approval, the lender needs to go to the bank to register the mortgage in person and wait for the loan. U = 4 138492308, 424 12097 13 (2) Compared with the original purchase price of the house and the appraised price at the time of secondary mortgage, the lower one shall prevail. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%. 2. The procedures and documents required for secondary mortgage and primary mortgage are basically the same. The legal effect after registration is different in the order of realizing mortgage. 3. Although the Measures for the Administration of Urban Real Estate Low Pressure stipulates that the second mortgage does not require the consent of the first mortgagee, it shall inform the second mortgagee. However, in the actual mortgage process, if the first mortgage contract requires the consent of the first mortgagee, it must be observed in accordance with the contract. At the same time, the second mortgagee must be informed of the mortgage loan, otherwise, the mortgagee has the right to request the mortgagor to stop its loan behavior according to the relevant regulations. 4. The value of two mortgages is not the balance beyond the value of the house after the first mortgage guarantee. If the mortgagor can't pay off the debt, he will file an administrative lawsuit with the registration department.

Third, the e-loan mortgage process of rural commercial banks?

The housing loan process of rural commercial banks is as follows: 1. The borrower needs to submit written documents to the housing management department when applying for housing mortgage loan, and the real estate appraisal agency will review the application materials submitted by the applicant.

2. After the borrower submits the written documents, the property (collateral) will be used as the pledge and handed over to the lender to open a current deposit account in the bank.

Three. The Lender shall go through relevant formalities at the entrusting bank. Four, the applicant to provide materials to the entrusted bank for the corresponding loan procedures.

Five, the borrower to apply for real estate mortgage loans need to submit written documents to the housing management department and send their information to the company or law firm to sign a loan contract.

4. What is the application process of mortgage bank loan?

To apply for a bank mortgage loan, you need to prepare all materials, including husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account in the last six months. When a bank mortgages a house, it examines the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it. 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. Preparation materials, including husband and wife ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account in the last six months.