Buyers who apply for mortgage loans through banks are concerned about the specific time when banks can lend money, and the speed of paying the house price through banks is relatively slow. Friends who apply for loans are basically people who need money badly. So what conditions do Chengdu mortgage houses need to apply for mortgage loans? How long does it take for Chengdu mortgage house to apply for mortgage loan?
Buyers who apply for mortgage loans through banks are concerned about the specific time when banks can lend money, and the speed of paying the house price through banks is relatively slow. Friends who apply for loans are basically people who need money badly. So what conditions do Chengdu mortgage houses need to apply for mortgage loans? How long does it take for Chengdu mortgage house to apply for mortgage loan?
What are the conditions for Chengdu mortgage house to apply for mortgage loan?
1. The borrower owns the property right certificate of the house. The real estate license cannot be mortgaged in the bank, nor can it be mortgaged in the local loan company or housing management office. It must be in the hands of the borrower to apply for a loan.
2. The house has a mortgage loan at present. Under normal circumstances, the mortgage loan amount of a house needs to reach 60% to 70% of the total value of the house. If it is too low, such as 30% or 40%, it is impossible to get a loan successfully.
3. In addition to meeting the above conditions, the borrower also needs to meet the basic conditions of loan, with stable income and good credit. The income needs to be stable for more than half a year and 2-3 times higher than the total repayment amount. How much higher, subject to the provisions of the lending institutions. The number of overdue credits is generally not more than three times.
How long does it take for Chengdu mortgage house to apply for mortgage loan?
1. After confirming that the property you choose has bank mortgage support, the buyer should know the bank's regulations on mortgage loan support for the buyer from the bank or the law firm designated by the bank, and prepare relevant legal documents. Generally, it takes at least fifteen days from application to loan.
2. Bank loan process: first submit personal loan application; After the acceptance of the bank, evaluate the mortgaged property; According to the evaluation price and the information provided by the borrower to review the loan; After passing the examination, sign a loan contract with the law firm and go through the mortgage formalities of the property right certificate; Bank loan.
3. If the information is complete, it will take at least 15 working days to send the information to the bank for review, and the loan will be completed.
The above are the conditions for Chengdu mortgage house to apply for mortgage loan, and how long it takes for Chengdu mortgage house to apply for mortgage loan. Under normal circumstances, the current bank's housing mortgage loan issuance speed is basically around 3-4 weeks.
What is the specific process of applying for mortgage loan in Chengdu?
Prepare relevant materials and make an appointment for a face-to-face interview. (If you are not unmarried/not your own property, you need the signature of the property owner and the borrower. ).)
2. Verification of basic data.
3. Real estate appraisal: The agency conducts on-site investigation and appraisal of mortgaged properties. (Company evaluation: the agency appraiser takes photos at the borrower's business site; Only companies have this item)
4. Check all the data and get the approval result. (Evaluate the price, interest rate and expenses, repayment method, etc. )
5. Mortgage registration: the agent can accompany the customer to the real estate registration center for mortgage registration.
6. Sign the IOU after confirmation.
7. Advance payment of mortgage: after signing the contract, part of the loan will be released, the original house loan will be settled, and the real estate license will be renewed. (Whether to settle the mortgage in one lump sum needs comprehensive consideration)
So far; When the process of the organization is over, Bian Xiao reminds: Don't forget the repayment amount and deadline in the later period.
What information do I need to prepare for housing mortgage loan in Chengdu?
It should be ID card, household registration book, property right certificate, etc. For details, please consult Lv Qing about the reform applet. Lv Qing has a lot of loan information, which should help you.
What are the conditions for mortgage loan in Chengdu?
1. What are the requirements for housing mortgage loan?
1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;
2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;
3. Have good information records and willingness to repay.
4. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
5. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
7. The borrower has a legal and effective purchase contract or agreement.
8. There is an effective guarantee recognized by the lender.
2. What are the rules for real estate mortgage?
Article 402 of the Civil Code Where the registration of real estate mortgage is mortgaged with the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5, the mortgage registration shall be handled. The mortgage is established at the time of registration.
Article 406 During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.
Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.
In the process of mortgage loan, this house is used as collateral, but there are strict conditions for the borrower. If the borrower does not have a stable job and cannot provide proof of salary income, the bank will not lend.
What are the procedures for mortgage loan in Chengdu?
1. Appraisal
The lender will evaluate the lender's house.
2. Offline signature
The lending institution will communicate with you about the loan amount, interest rate, term and repayment method, and then you can sign the loan contract.
gather information
The main information includes: valid identity documents, household registration books and marriage certificates of the borrower and his spouse; Personal income certificate; Certificate or statement of loan use; Other documents or materials required by the lending institution.
4. Submit to trial
In the preliminary examination of mortgage loan information, as long as the information submitted by buyers is true and reliable and meets the requirements of lending institutions, it will basically be approved.
5. Apply for mortgage registration
When handling a mortgage loan, the lender needs to prepare relevant materials: the applicant's identity certificate, marital status certificate, application for housing registration, house ownership certificate or real estate license, state-owned land use certificate, mortgage contract and principal creditor's rights contract, and other necessary materials, and then can wait for the loan.
This concludes the introduction of mortgage loan procedures in Chengdu and the introduction of mortgage loan procedures in Chengdu. I wonder if you found the information you need from it?