How to get a mortgage loan with a real estate certificate

Calculate how much it will cost to decorate your home

As we all know, you may not be able to get a loan from a bank if you have a real estate certificate. Only when the conditions required for a real estate certificate loan are met can the loan be successful. So, what are the application conditions for a real estate mortgage loan? How to mortgage a real estate certificate? I believe this is an issue that everyone is more concerned about. Below I will answer these two questions for you one by one.

How to mortgage a real estate certificate

1. Prepare relevant information: Before taking a loan, the borrower needs to prepare relevant information from the bank, such as: ID card, household register, marriage certificate, Real estate certificate and house purchase contract, etc.

2. Bank statement: In addition to the mortgage of the real estate certificate, the bank also requires the borrower to have good credit and financial strength in order to avoid risks, so the bank will require the borrower to provide recent Half a year's bank statements.

3. Apply for a loan from the bank: The mortgage loan amount is generally more than 5,000 yuan and less than 70% of the property value. The loan period ranges from 5 to 30 years, with two repayment methods: equal principal and interest and equal principal. The borrower can choose according to his or her own economic situation.

4. Bank review of mortgage loan: After applying for a mortgage loan, the bank will review the borrower's qualifications.

5. Pass the bank review and go through relevant procedures: After the bank agrees to approve the loan, the borrower needs to go to the housing management department with relevant bank personnel to go through the mortgage registration procedures.

6. The bank obtains the real estate certificate and lends money: After completing the above procedures, the bank lends money to the borrower.

What are the application conditions for real estate certificate mortgage loans?

1. Natural persons with full capacity for civil conduct, aged between 18 and 65 years old; foreigners and residents of Hong Kong, Macao and Taiwan, Applicants should have lived in my country for one year and have a fixed residence and occupation;

2. Have legal identity certificate, household registration certificate and marriage status certificate;

3. Have a good credit record and willingness to repay;

4. Have stable financial resources and the ability to repay the loan on time;

5. Can provide a house mortgage approved by the bank;

6 , open a personal settlement account in the bank;

7. Other conditions specified by the bank.

Editor’s summary: After reading the above introduction, I believe everyone has a better understanding of how the real estate certificate is mortgaged and the application conditions for the real estate certificate mortgage loan. If you want to know more relevant information, please continue to pay attention to our website, and we will present you with more exciting content in the future.

Enter the area and get a free renovation quote. Interest rates and process introduction for real estate mortgage loans. Loans are not that simple.

Generally speaking, when making a mortgage loan, our best choice is They all use real estate certificates and other documents, which is commonly known as real estate mortgage loans. However, during this operation, you should not only pay attention to whether the process is legal and whether your own interests can be protected, but also pay attention to the interest rate, etc. Regarding economic conditions, you might as well join the editor today to learn more about the information on real estate mortgage interest rates. Further, there is an introduction to relevant information and processes for reference and learning and analysis. I believe that everyone can reap satisfactory results and advantages from this.

1. The interest rate of real estate mortgage loan

Go to the bank to get the real estate certificate and the mortgage loan interest rate is generally around 4.35%. The housing mortgage interest rate will vary according to the different houses and the conditions of the lender. , based on the actual lending rate.

To apply for a mortgage loan with a real estate certificate, you need to meet the following conditions:

(1) A Chinese citizen with legal status, aged 18-65 (inclusive), and with full capacity for civil conduct;

(2) Have stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) Have legal and valid collateral certification materials; (such as real estate certificate, land certificate, etc.)

(4) If a housing mortgage loan has been purchased and applied for, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged housing, and it is used as The mortgaged house has obtained a house ownership certificate and is less than 10 years old;

(5) A valid guarantee recognized by the lending bank can be provided;

(6) The conditions stipulated by the lending bank Other conditions.

2. Real estate mortgage loan method

If you want to successfully obtain a real estate certificate mortgage loan, you must first understand what the real estate certificate mortgage loan process is, so that you can be fully prepared. Now The author will give you a brief introduction for your reference.

The first step: the borrower prepares the loan procedures and submits an application to the lending institution;

The second step: the lending institution accepts the application;

The third step: The appraisal company evaluates the mortgaged property; Step 4: The lending institution obtains evidence and approval based on the information and evaluation report provided by the borrower;

Step 5: After passing the approval of the lending institution, handle the property mortgage;

The sixth step: the lending institution makes the loan after obtaining other rights certificates;

The seventh step: the lending institution carries out post-loan management, and the borrower repays the loan in full and on time in accordance with the loan contract; eighth Step: After the loan is settled, go through the mortgage release procedures.

3. Calculation of real estate certificate mortgage loan interest

There are two ways to calculate the real estate certificate mortgage loan interest: one is formula calculation; the other is loan calculator calculation.

1. Formula to calculate the total interest for equal principal and interest repayments: Total interest = monthly repayment * total number of periods - total loan amount Calculation formula for total interest for equal principal repayments: total interest = {loan Total amount*n-monthly principal payment*[n*(n-1)/2]}*loan monthly interest rate (note: n represents the number of loan periods).

2. Although the loan calculator uses formulas to calculate the results, the calculation process is relatively cumbersome. If you are not careful, you can easily make mistakes and waste all your efforts. Therefore, the author recommends the loan calculator to everyone. This calculation method allows you to get the results easily and quickly.

Through the above description and comparative analysis, we can find that the interest rate selection of real estate mortgage loans is extremely critical, because they determine to a certain extent the interest and cost of the specific loan in the later period. , in addition, the study of the process is also crucial, because a reasonable and legal real estate mortgage loan must be based on a standardized process, otherwise it may cause unsatisfactory consequences and even lead to losses with twice the result with half the effort, so the editor recommends that everyone You can analyze it with reference to the actual situation, and when necessary, you can combine it with the advice of professionals for in-depth study and understanding.

Tubatu provides you with "each decoration quotation, 1-4 local decoration companies, 3 sets of decoration design plans" for free online, as well as decoration avoidance strategies! Click this link: ;wb, and you can get it for free ~ Is it easy to get a home mortgage loan?

As long as your credit report is not overdue, and the house procedures are complete, and you have the ability to repay, you should be able to get the loan. However, the process cannot be too fast, it is very troublesome, and it will not take more than ten and a half days at least. You can’t get it out every month, so if you really want to get a mortgage, it’s best to consult the bank staff in advance and make sure you get the loan before you apply! What are the bank loan procedures for real estate certificate mortgage?

Many owners will experience financial constraints when renovating their homes, starting a business, etc. In order to solve the problem of tight funds, many people will choose to mortgage their property certificates to banks to obtain corresponding loans. So what are the loan procedures for mortgage of real estate certificates to banks? Next, the editor will briefly introduce it to you.

1. When applying for a house mortgage loan from a bank, you can first go to the bank to learn what information is required for a house mortgage loan, the loan interest rate, and what conditions the applicant should meet. Applicants must prepare relevant materials as required, such as real estate appraisal report, real estate certificate, ID card, etc. The applicant submits a loan application to the bank. After the bank accepts the application, it usually evaluates the mortgaged property and verifies and approves the applicant's information.

2. After approval, the applicant signs a loan contract with the bank and goes through insurance and other procedures; then the applicant opens a special repayment account and goes to the Housing Authority to handle the house mortgage procedures. The bank gets After obtaining other warrants, the loan will be issued in accordance with the provisions of the contract. Applicants are required to repay the loan principal and interest in full and on time.

3. When we apply for a bank mortgage loan, we must determine the loan amount, loan term, monthly repayment amount, and repayment method based on our own financial strength and repayment ability. Try not to choose a loan amount that is beyond your ability to avoid putting too much financial pressure on yourself. If you are short of funds, your mortgage may become overdue.

4. The information provided when applying for a bank loan must be true, and do not forge bank statements to obtain a larger loan amount. If the bank discovers that the borrower's information is forged, it will affect our loan application. Before applying for a bank loan, you can investigate your personal credit information to avoid bad credit affecting your loan application.

The editor summarizes: Regarding the bank loan process for real estate certificate mortgage, the editor will briefly introduce it to you here. I hope that after reading this article, it can provide you with reference and help when applying for housing loans in the future. If you want to know the detailed process and conditions of home mortgage loans, you can consult the loan bank staff.