Scope of collateral
Residential, affordable housing, cost housing (including central production houses), dangerous houses, commercial houses, villas, offices, shops, business houses, factories, land, etc. Obtain real estate license in the name of individuals and enterprises.
operation sequence/order
Business negotiation-understanding customer needs, checking documents-confirming ownership, on-the-spot investigation-evaluating appraisal contracts-handling judicial affairs, mortgage registration and lending-customer service and interest renewal-repayment and cancellation of mortgage registration.
The specific process of mortgage loan
1. The buyer and the seller sign a house sales contract, stipulating the down payment, loan and final payment;
2. When the buyer and spouse apply for a loan from the bank, the seller and spouse shall be present for confirmation;
3. The bank approves the loan application;
4. The buyer signs a loan and guarantee contract with the bank;
5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;
6. The purchaser and the bank handle the real estate mortgage registration (or other natural persons and legal persons provide staged guarantee for the purchaser);
7. The bank issues loans to the seller's account;
8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;
9. The purchaser accepts the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).
Information needed for mortgage loan
Real estate license (real estate license and land certificate must be mortgaged to the bank when the house is mortgaged to the bank)
Rights and spouse's identity card
Rights and spouse's household registration book
Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. )
If the owner of the real estate license has minor children, please provide birth certificate.
If the property has a bank loan, please provide the original loan contract and the latest bank statement.
In order to improve the pass rate of mortgage loan, please provide other family property certificates as far as possible (such as separate real estate license, stock, fund, cash passbook, vehicle driving license, etc.). ).)
Information needed for personal real estate mortgage loan
1. Original property ownership certificate, purchase contract and invoice;
2. Original ID card and original household registration book.
3. Original spouse ID card/original property owner ID card.
4. Marriage certificate (marriage certificate or unmarried certificate)
Information required for company real estate mortgage
1. Original property ownership certificate, state-owned land use right certificate, house purchase contract and invoice.
2. Original legal person identity certificate, legal person power of attorney and agent's ID card.
3. Copy of business license (with official seal) and copy of enterprise organization code certificate (with official seal)
4. Articles of Association, resolutions of shareholders' meeting/resolutions of the board of directors
Information required for mortgage of construction in progress
1. Land use certificate
2. Construction land planning permit
3. Construction project planning permit
4. Building permit
5. Business license
6. Pre-sale permit for commercial housing
Specific operation steps of mortgage loan
1. Before the loan, the borrower should fill in the Application Form for Mortgage of Residential Houses and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the lender's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal identity certificate of the borrower; The certificate of ownership of the house or the certificate that I have the right to the house obtained according to law; Appraisal report, appraisal certificate and insurance certificate of mortgaged property; 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 Lender and the Borrower shall 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 loan expires, the borrower must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents kept 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.
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