1. Submit the required documents:

(1) Property right certificate or house ownership certificate and land use right certificate;

(2) ID cards, household registration books and marriage certificates of both husband and wife of the borrower. Singles need to go to the local civil affairs bureau to issue a single certificate;

(3) proof of income, with official seal;

2. Housing appraisal: According to the location, floor, area and orientation of the bedrock where the collateral is located, loans can generally be made to 50-90% of the appraisal price;

3. After signing the contract in person at the bank and evaluating the house, you still need to go through the formalities for examination and approval of real estate insurance and corresponding loans. If you agree to issue a loan contract and a mortgage contract, it shall be handled with the approval;

4, mortgage registration, the borrower with real estate license, loan contract to the district and county real estate bureau for mortgage registration, agency costs borne by the borrower;

5. After the loan and mortgage are registered, the bank can issue the loan to the borrower's personal savings account.

What are the evaluations of mortgage loans?

1. Loan application:

The purpose, amount and duration of the loan proposed by the borrower 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. Prepare loan information:

(1) If it is an individual housing mortgage loan, you need to provide ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate and house ownership certificate;

(2) If an enterprise needs to mortgage real estate, the materials to be provided include: three certificates of enterprise, account opening permit, articles of association of enterprise, capital verification report of enterprise, purchase and sale contract, annual financial statement of last year, financial statement of last six months and asset certificate;

3. House evaluation:

(1) After submitting the above materials, the bank will conduct on-the-spot investigation and evaluation 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;

(2) Generally speaking, there will be some discrepancy between this appraisal and the market price, because the appraisal agency will consider multiple factors;

4. Loan approval:

Submit all loan review materials and evaluation reports or investigation opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information, if there is any omission, 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 them, and notarizes them by the notary.

What is the order of the proceeds from mortgage property?

1. Pay some expenses for the disposal of the property;

2. Deduct the tax payable for mortgaged real estate;

3. Repay the principal and interest of the mortgagee's creditor's rights and pay liquidated damages;

4. Compensation for the damage caused to the mortgagee by the debtor's breach of contract;

5. The balance shall be returned to the mortgagor.

Legal basis: Article 397 of the Civil Code of People's Republic of China (PRC).

Where a building is mortgaged, the right to use the construction land occupied by the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.

If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage.

Article 398

The right to use the construction land of township enterprises shall not be mortgaged separately. Where buildings such as factories of township enterprises are mortgaged, the right to use the construction land occupied by them shall be mortgaged together.