The house on loan has been mortgaged. If it is a mortgage, it is also called a secondary mortgage. Just go directly to the Housing Authority for mortgage. If it is mortgaged in a loan company, it is the following information and process:

Information:

You can apply for ID card, household registration book, marriage certificate, property right certificate, loan contract, residence certificate, water and electricity invoice and repayment flow. The process is as follows:

Process:

1. Take the above information to the loan company to sign a loan contract.

2. Check credit information for approval.

Step 3 pass the preliminary examination

4. The loan company calls to verify the submitted information.

5. recognized

6. Sign a loan contract

7. When the Housing Authority handles the second mortgage, he has other rights.

8. Loans from loan companies

Second, how to do real estate mortgage loans?

Legal analysis: First, apply for a loan. Second, evaluate the target house. Pay taxes, transfer ownership, and register new property rights. Sixth, banks.

Legal basis: general rules of loans

Article 25

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.

The borrower shall fill in the loan application, including the loan amount, loan method and other main contents, and provide the following information:

1. Basic information of the borrower and guarantor;

The financial report of the previous year recognized by the firm and the financial report of the previous period before applying for a loan;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

sequence

Credit rating evaluation of the borrower:

The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be independently conducted by the lender, mastered internally, or authorized by the lender.

Consult the loan bank to understand the loan situation and choose the loan bank for the impersonator. Apply for a loan from the bank. If the bank is approved, the contract will be mortgaged, and some banks will also ask to go to the notary office for notarization of creditor's rights. Handle the mortgage of house property rights

Third, how to carry out real estate mortgage loans.

Entering the area and getting the decoration quotation for free is a choice that many businessmen or people who need a lot of money in a short time will make. When dealing with real estate mortgage loan, it is everyone's concern to minimize the loan cost. So how to carry out real estate mortgage loan? What materials need to be prepared? The following small series will help you analyze them one by one. Let's take a look at those who want to know! \r\n\r\n \ r \ n \ r \ How to carry out real estate mortgage loan \ r \ n \ r \ nReal estate mortgage loan process: The borrower needs to consult how to fill out the application form for house mortgage before lending, and then submit relevant materials to the bank. The bank will review the borrower's materials. The borrower who has passed the examination needs to hand over the title certificate of the mortgaged property to the bank for safekeeping. Then the buyer and the seller can sign a mortgage loan contract and notarize it. Finally, the bank will transfer the payment to the established account. \r\n\r\n\r\n \ r \ Basic situation of current mortgage loan \ r \ n \ r \ n1,loan interest rate \ r \ n \ r \ n \ r \ nWhat is the current basic bank interest rate? Real estate mortgage will rise with the benchmark interest rate, and the bank will adjust the floating degree according to the customer's situation, usually the floating range is 10%-30%. \r\n\r\n\r\n2, loan amount \ r \ n \ r \ n \ r \ nThe amount of real estate mortgage loan is about 70% to 80% of the appraised value. \r\n\r\n\r\n3, loan term \r\n\r\nThe loan term is comprehensively determined according to the applicant's age and the years of the mortgaged property, usually the longest is 30 years. \r\n\r\n\r\n4, repayment method \ r \ n \ r \ n \ r \ nThere are three repayment methods: interest before principal, equal principal and interest, and average principal. \r\n\r\n \ r \ n \ r \ How to choose the bank with the lowest interest rate to apply for real estate mortgage loan \ r \ n \ r \ nApplying for real estate mortgage loan is actually very simple. You can choose the bank with the lowest interest rate that suits you by "shopping around". \ r \ n \ r \ n \ r \ nIf there are so many banks and the interest rates of each bank are different, it is time-consuming and laborious to screen, but this step will be difficult for people who are in urgent need of money and are "afraid of trouble". \ r \ n \ r \ n \ r \ It is suggested that people who are in urgent need of money can apply for mortgage loans by consulting professional third-party guarantee companies, because professionals who do professional things must be efficient people. Of course, the cost is definitely different. \ r \ n \ r \ n \ r \ n \ r \ Editor's summary: The above are some basic introductions about how to make a mortgage loan for real estate, which I hope will be helpful to you who are ready to make a mortgage loan. Be careful when choosing a mortgage company. If you have lawyers and friends, you'd better invite them. Calculate how much it will cost to decorate your home.