How to handle personal property mortgage loan?

1. loan application: the borrower submits the purpose, amount and time of the loan to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Preparation of loan materials: If it is a personal mortgage loan, you need to provide your and your spouse's ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate and house ownership certificate.

If an enterprise needs to mortgage real estate, the materials it needs to provide are: three business licenses, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the past six months, financial statements of last year and the past six months, and asset certificates (different materials will be provided according to different banks).

3. House inspection and appraisal: After the bank submits the above materials, it will conduct on-the-spot investigation and appraisal of the mortgaged property according to the submitted materials. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.

4. Loan approval: submit all loan approval materials, evaluation reports or evaluation opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information. If anything is omitted, it will affect the loan progress.

5. Notarization of loan contract: the borrower-level mortgagor fills in the loan contract and all relevant documents, signs it and prints it, and the notary will notarize it.

6. Mortgage registration: The bank goes to Chaquan for mortgage registration with the house ownership certificate and notarized loan contract.

What are the restrictions on handling real estate mortgage loans?

One. Age limit:

A natural person who has reached the age of 18 and has full capacity for civil conduct;

Second, the restrictions on real estate appraisal differences:

When applying for a mortgage loan, you need to provide an evaluation report, but the bank will also appoint an evaluation agency to re-evaluate the value of the mortgaged property. If there is a big difference between the two, it is likely that the bank will refuse the loan because it thinks you are suspected of defrauding the loan;

Three, unstable professional income, bad credit, no ability to pay and other restrictions on personal credit:

Many people want to get a high-level loan, but you must have a corresponding income to match it. It is reported that banks generally require an individual's monthly income to be twice the monthly repayment amount. If this standard is not met, what is the ideal loan amount? Of course, you can choose to reduce the loan amount. Although it is easier to apply for a loan with real estate guarantee, this is not everything. If your personal credit has a bad record, you are also at risk of being refused a loan.

; Four, other restrictions stipulated by the bank do not meet the loan conditions:

1, the source of ownership is limited mortgage (including welfare housing, micro-profit housing, land allocation and land price reduction), but without the consent of the Municipal Bureau;

2. According to the city planning, the city government decided to take back the land use right;

3, judicial organs, organs according to law decided to seal up or restrict real estate rights in other forms;

4, a total of real estate, without the written consent of other co-owners;

5. The ownership is disputed;

6, laws, regulations or municipal government rules prohibit mortgage;

7. Except for the scope of collective land use right occupied by buildings such as townships (towns), village enterprises and factories, and the collective land use right of barren hills, gullies, hills, beaches and other wasteland contracted according to law and mortgaged with the consent of the employer.