Anjufang cannot be mortgaged. However, in the process that Anjufang can be converted into commercial housing with the approval of government departments, the guarantee company provides the guarantee, and the bank issues the secured loan to the borrower, which is used to pay off the mortgage loan that is still in the process of mortgage in advance, pay the land price and related taxes to government departments, and meet the needs of personal business funds. After the Honglian real estate license is issued, the bank will turn into a real estate mortgage loan or mortgage loan business after the mortgage registration in the bank.

What is a real estate mortgage loan?

Real estate mortgage refers to a way for loan applicants to obtain loans from banks and other institutions or individuals through their own or third-party real estate as collateral. To apply for mortgage loans from banks and other financial institutions, it is necessary to provide a stable source of income, and it must have a clear purpose of the loan, and it cannot be used for something explicitly prohibited by law.

Provident fund mortgage loan process

1, loan application. The borrower shall collect and fill in the application form with valid house purchase (construction) materials and down payment voucher, which shall be signed by the borrower (spouse) unit and submitted to the audit interview together with the required loan materials.

2. recognition. Review the loan application according to the application materials of the borrower and the deposit of the provident fund; After approval, notify the borrower (property owner) to sign a loan (mortgage) contract, open a repayment account and go through the insurance formalities.

3. sign the contract. The borrower signs the loan (mortgage) contract, fills in the Registration Form of Real Estate Mortgage (or Option), and submits it to the manager for review; At the same time, according to the repayment account opened in the entrusted bank, fill in the transfer authorization and iou.

4. Joint bank review. The agent will send the loan contract, transfer authorization, iou and other materials checked and signed by the principal, borrower and guarantor to the entrusted bank for joint examination; The entrusted bank will return the loan contract signed after the joint trial within two working days.

5. Mortgage registration. The borrower holds the loan contract, mortgage contract, real estate mortgage registration form and related materials verified by the entrusted bank, and goes to the real estate management department for mortgage registration and filing procedures; Return the option mortgage certificate (or other warrants) after handling.

6. Transfer of funds. According to the perfect loan (mortgage) contract and real estate mortgage registration certificate (or house ownership certificate), transfer the loan funds into the entrusted loan account established in the entrusted bank, and notify the entrusted bank to issue loans.

7. Issue loans. The entrusted bank shall issue the loan within two working days according to the transfer notice, loan list and loan contract, and fill in the date of loan issuance. After the loan is issued, relevant contracts, IOUs and other materials shall be returned in time.