Real estate mortgage loan application process:

Find a suitable bank → prepare all materials → arrange house evaluation → sign an application, take photos of the business site → examine and approve → issue approval, examine and approve funds → enter mortgage → lend money. This is the general process of mortgage loan. Although the details of each bank are different, it is basically this process.

Step 1: Finding the right bank is very important. First, find a bank that suits you. This step is two-way. Different banking policies are different. The loan amount, interest, term and repayment method are different, and the application conditions for customers are also different.

There may be the following situations: the customer meets the application conditions of Bank A, but the products of Bank A are not what the customer wants; The products of Bank B are what customers want, but they don't meet the requirements of Bank B. ..

Step 2: Prepare the information. Prepare relevant materials according to the requirements of the bank. The main materials include: individuals (husband and wife ID cards, household registration books, marriage certificates, running water and credit information), real estate information (real estate licenses, detailed version search), company information (business licenses, official seals), third-party payees (ID cards, bank cards) or corporate accounts.

The information here involves a lot of professional knowledge, which is also the key to the success of the loan. For example, whether the running water is sufficient, whether the credit information is consistent, how to provide it by the third-party payee, whether the company is abnormal or has litigation and so on.

Step 3: Evaluate the property value. There is a special appraisal company to evaluate this, and taking photos at the house site is a direct factor affecting the loan amount. Generally, you have to pay the household assessment fee.

Step 4: Sign the application with all the information. This is the formal application for a loan, and generally this step will also sign a loan contract. Now some bank staff can go to the business site to help customers sign applications, and then go to the bank to sign loan contracts after the funds are approved.

Step 5: The bank approves the result and agrees to the loan letter. Here are the specific loan amount, interest rate, repayment method, term and other information.

Step 6: pledge online or pledge to the Housing Authority.

Step 7: borrow money.

Special reminder: If the property is mortgaged, most banks need to settle the remaining mortgage before they can make mortgage loans again, and a few banks can apply for a second mortgage directly without settling.

How to apply for mortgage loan?

The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.

How to handle real estate mortgage loan?

The methods for handling real estate mortgage loans are as follows:

1. Loan application: the purpose, amount and time of the loan proposed by the borrower.

2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including my spouse's ID card, household registration book, income certificate, corresponding personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status.

3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses.

4. Loan approval: submit all loan application materials together with the evaluation report or opinion to the bank for approval.

5. Notarization of loan contract: After the borrower and the mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary.

6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures at the property right office with the house ownership certificate and notarized loan contract.

7. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.

Loan terms:

(1) has legal identity.

(2) Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record.

(3) There is a legal and effective purchase contract.

(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid.

(5) If a house mortgage loan has been purchased, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the house ownership certificate, and the age of the house is within 10 years.

(6) It can provide effective guarantee recognized by the loan bank.

(7) Other conditions stipulated by the lending bank.

How to handle housing mortgage loan?

Legal analysis: The process of handling mortgage loan is as follows: 1. The borrower applies to the loan bank for a mortgage loan. 2. The loan bank approves the loan application. 3. The borrower shall go through the guarantee formalities with the loan bank and mortgage the collateral. 4. Sign a loan contract. 5. The loan bank issues loan funds to the borrower's account.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 When issuing loans, commercial banks should strictly examine the borrower's borrowing purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

How to handle personal housing mortgage loan?

First, apply to banks and other financial institutions.

1. Borrower's pre-loan consultation: Fill in the Application for Mortgage of Residential Houses and submit the following supporting materials to 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.

The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents 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 hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties 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: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents 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, apply for a peer-to-peer lending service platform for real estate mortgage.

Borrowers can not only apply to banks and other financial institutions, but also apply to the real estate mortgage peer-to-peer lending service platform, which will be much faster than banks and other financial institutions.

operating procedure

1. Apply for a loan

2. Check customer information

3. Lender pairing

4. Apply for notarization

Lend money on the same day as he proves.

Extended data:

According to the Measures for the Administration of Urban Real Estate Mortgage:

Article 36 The mortgaged real estate shall be owned and managed by the mortgagor.

The mortgagor shall maintain the safety and integrity of the mortgaged real estate during the possession and management of the mortgaged real estate. The mortgagee has the right to supervise and inspect the management of mortgaged real estate in accordance with the provisions of the mortgage contract.

Article 37 The mortgage right may be transferred with the creditor's rights. When the mortgage is transferred, a mortgage transfer contract shall be signed and the mortgage change registration shall be handled. After the mortgage is transferred, the original mortgagee shall notify the mortgagor.

With the consent of the mortgagee, the mortgaged real estate can be transferred or leased.

The proceeds from the transfer or lease of mortgaged real estate shall be paid off to the mortgagee in advance. The part exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.

Thirty-eighth due to the needs of national construction, the mortgaged real estate is included in the scope, and the mortgagor shall promptly notify the mortgagee in writing; Both parties to the mortgage can reset the mortgaged real estate, or clean up the creditor's rights and debts according to law and terminate the mortgage contract.

Article 39 If the real estate occupied and managed by the mortgagor is damaged or lost, the mortgagor shall promptly notify the mortgagee and take measures to prevent the loss from expanding. If the mortgaged real estate is damaged due to the mortgagor's behavior, and the value of the mortgaged real estate is not enough as a guarantee to perform the debt, the mortgagee has the right to ask the mortgagor to provide or increase the guarantee to make up for the deficiency.

If the mortgagor has no fault in reducing the value of the mortgaged real estate, the mortgagee can only ask for a guarantee within the scope of compensation obtained by the mortgagor for the damage. The part of the mortgaged property that has not depreciated is still used as a guarantee for the debt.

Article 48 If the mortgagor conceals the existence of mortgaged real estate, disputes over property rights, seizure, detention, etc., the mortgagor shall bear the legal liabilities arising therefrom.

Article 49 If the mortgagor sells, leases, exchanges, donates or otherwise disposes of the mortgaged real estate without authorization, his behavior is invalid; If losses are caused to the third party, the mortgagor shall make compensation.

Article 50 Disputes arising from the performance of mortgage contracts or the disposal of mortgaged real estate can be settled through consultation. If negotiation fails, the parties to the mortgage may apply to an arbitration institution for arbitration according to the arbitration agreement reached by both parties; If there is no arbitration agreement, you can also bring a lawsuit directly to the people.

Article 51 If the mortgagor, in violation of the provisions of Article 38, brings the mortgaged real estate into the scope for the needs of national construction, fails to pay off the debts according to law or re-establish the mortgaged real estate, the mortgagee may bring a lawsuit to the people's court.

Article 52 Any staff member of the registration authority who takes advantage of his position to ask for other people's property or illegally accepts other people's property to seek benefits for others shall be given administrative sanctions according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.