In addition to looking for banks, you can also find some financing guarantee companies, but the interest rate will be different.
Extended data:
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans when granting housing loans to individual residents.
Application material
Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)
Identity cards of the obligee and his spouse.
Household register of obligee and spouse
Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. )
If the owner of the real estate license has minor children, please provide birth certificate.
If the property still has a bank loan, please provide the original loan contract and the last bank statement.
In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )
Application conditions:
1. China (excluding Hong Kong, Macao and Taiwan) citizens, salaried workers aged 18-65 years old, who have worked continuously in their current unit for more than six months (if less than six months, but the work content of this unit is the same as that of the previous unit, and the working years of the previous unit can be accumulated), and business personnel who have worked for more than one year.
2. There are no minors under the age of 18 and no adults over the age of 70 (including 70) among the owners of the mortgaged property.
3. If the house property is mortgaged for the second time, the first mortgagee of the house must be the bank.
4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city).