The conditions required by the lender:
First, the actual age of a natural person with full capacity for civil conduct at the maturity date of the loan is generally not more than 65 years old;
Secondly, there is a permanent residence in Beijing and a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
thirdly, the lender is willing and able to provide real estate mortgage recognized by the lender;
fourthly, some people in the real estate * * * recognize its loan and guarantee behavior, and are willing to bear relevant legal responsibilities.
the process of handling the loan:
1. Handling the existing home mortgage loan: First, the borrower needs to find an appraisal agency to evaluate the property value and obtain the real estate assessment Report issued by the appraisal agency. Secondly, both husband and wife were present to submit the above information and sign a real estate mortgage contract. Thirdly, the borrower signs a loan contract with the bank. Fourth, the bank will issue loans after approval. Finally, the borrower repays the loan in installments or at one time, cancels the mortgage of the property and gets back the property certificate.
2. mortgage of forward house: the borrower signs a house purchase loan contract at the bank with the pre-sale contract, the original and photocopy of the house prepayment receipt and the original and photocopy of the marriage certificate of husband and wife, and issues the loan after the bank approves it, and gives it to the bank after the real estate license comes down. After repayment, the borrower goes to the bank to cancel the loan and get back the real estate license.