What materials are needed for real estate mortgage loan?

2. What banks can handle mortgage loans with real estate licenses in Nanchang?

Bank of China, China Construction Bank, Industrial and Commercial Bank, Agricultural Bank,

3. What information do you need for personal property mortgage loan?

Personal property mortgage loan information includes: house purchase contract, real estate license, ID card of obligee and spouse, household registration book, marriage certificate, income certificate, birth certificate of children, original loan contract, latest bank statement and other family property certificates. When handling the registration of real estate mortgage according to Article 32 of the Measures for the Administration of Urban Real Estate Mortgage, the following documents shall be submitted to the registration authority: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) An application for mortgage registration; (3) mortgage contract; (4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.

How to handle housing provident fund loans with Nanchang bank loans?

Commercial loans can be converted into provident fund loans.

Do commercial loans need provident fund loans?

1. "Commercial residential mortgage is collected from the loan application window and filled in according to the requirements of the form, in quadruplicate);

2. The house ownership certificate and national seal of the house purchased by the loan applicant;

3. The original and photocopy of the purchase contract or agreement;

4. Original and photocopy of the original commercial loan contract;

5. The original ID card, marriage certificate (or single certificate) and residence booklet of the loan applicant;

6. Personal seals of the loan applicant and spouse;

7. If the original loan is a commercial second-hand house loan, provide the original and photocopy of the tax payment certificate;

8. Other materials that need to be provided.

Commercial loans to provident fund loans need to be prepared.

1. Including the commercial housing purchase loan signed with the original lending bank.

2. The house ownership certificate issued by the local real estate registration department;

3. The loan balance certificate or the original loan bank seal can take effect;

4. After the materials are complete, you can go to the local housing provident fund management institution to propose a commercial loan to a provident fund loan.

Commercial loans are converted into provident fund loans.

1. Consulting application. The reloaning applicant negotiates with the original commercial loan bank and obtains the Application Form for Reloaning Provident Fund. After filling it out, attach the following photos.

(1) the provident fund loan transfer application form, housing provident fund deposit certificate or Wuhan housing provident fund household registration book, proof of economic income of both husband and wife;

(2) The original and photocopy of the ID card, household registration book and marital status certificate of both husband and wife (if unmarried, the unmarried certificate shall be provided);

③ Normal repayment records of commercial loans provided by the original commercial loan bank.

The original signed loan contract and mortgage contract of the original commercial loan.

2. Submit materials for review. The lending bank shall review all the information of the sub-lending borrower and report it to the municipal capital center for approval.

3. sign the contract. The municipal capital center signs provident fund loan contracts and mortgage contracts with the lending borrowers, and the lending borrowers sign guarantee contracts with the guarantee companies.

4. Fund advance deposit. Before the provident fund loan is issued, the sub-loan borrower uses the bank deposit account to settle the loan with the difference between the provident fund loan and the original commercial loan.

5. Change insurance. The borrower of the loan shall go to the insurance company with the original commercial loan insurance policy to change the housing insurance, and the insurance beneficiary shall be divorced from the original loan.

6. Transfer of funds. When the municipal capital center allocates loan funds, the loan bank will issue provident fund loans, and at the same time understand the loan borrowers.

7. Repay on a monthly basis. The reloan borrower shall repay the loan on time every month from the month following the settlement of the original commercial loan until the loan is fully paid off.

8. Settle the loan. When the borrower settles the last loan, I shall personally go to the loan bank and go through the repayment settlement procedures at the counter.

9. Cancel the mortgage. The borrower repays the loan with the full settlement certificate issued by the bank, the cancellation certificate of the house mortgage, the original purchase contract or real estate license and personal ID card, and goes through the formalities at the original real estate mortgage registration department.