The mortgage loan process is as follows:

1. Submit the required documents:

(1) Property right certificate or house ownership certificate and land use right certificate;

(2) ID cards, household registration books and marriage certificates of both husband and wife of the borrower. Singles need to go to the local civil affairs bureau to issue a single certificate;

(3) proof of income, with official seal;

2. Housing evaluation, according to the location, floor, area and orientation of the mortgaged property. The average house can be loaned to 50-90% of the appraised price;

3. After signing the contract in person at the bank and evaluating the house, you still need to go through the formalities for examination and approval of real estate insurance and corresponding loans. If you agree to issue a loan contract and a mortgage contract, it shall be handled with the approval;

4, mortgage registration, the borrower with real estate license, loan contract to the district and county real estate bureau for mortgage registration, agency costs borne by the borrower;

5. After the loan and mortgage are registered, the bank can issue the loan to the borrower's personal savings account.

Legal basis: Article 397 of the Civil Code of People's Republic of China (PRC).

Where a building is mortgaged, the right to use the construction land occupied by the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.

If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage.

Article 398

The right to use the construction land of township enterprises shall not be mortgaged separately. Where buildings such as factories of township enterprises are mortgaged, the right to use the construction land occupied by them shall be mortgaged together.

How to apply for a mortgage loan

Mortgage with a house, usually the whole process has nine steps, as follows:

1. Apply to the bank

The borrower applies to the bank for a housing loan, explaining the purpose, amount and mortgaged house of the loan. If the application meets the requirements of the bank, the bank loan specialist will tell the borrower the specific procedures and what materials need to be prepared.

2. Submit loan information

Submit the loan application materials according to the requirements of the bank, usually including the borrower's ID card, bank account, personal credit report, homeowner's real estate certificate, etc.

3. Actual evaluation of house value.

After the bank lends the information, the bank will make on-the-spot investigation and evaluate the value. According to the location of the house and the surrounding environment, give a reference price and how much the house is worth.

4. Lending approval

The bank will submit the housing appraisal report and the previous personal application materials to the bank for loan approval, and give approval on whether and how much loans can be made according to the housing value and personal repayment ability.

5. Sign a loan contract

After the first trial of the loan is passed, the bank informs the borrower to sign a formal loan contract, which needs notarization.

6. Go through the mortgage registration formalities

Go to the real estate center for mortgage registration with different property rights and loan contracts.

7. Bank loans

After the above procedures are completed, the bank will transfer the loan to the borrower's personal bank card.

8. Repay on time

According to the loan contract, the repayment shall be made on time and shall not be overdue.

9. Go through the mortgage cancellation procedures.

After the house loan is paid off, the bank should issue a settlement certificate and go through the mortgage cancellation formalities at the real estate center.

The above nine steps are the whole process of mortgage loan. Under normal circumstances, it is handled in accordance with the above process, and individual banks will have small differences, but they are all similar.

How to mortgage a house loan?

The mortgage loan process is as follows. Loans are recommended by Mo Long, which are aimed at groups over the age of 25-55 who need large loans, as well as non-online lending groups, such as flowers and flowers, small degrees, etc. Students and groups need to be excluded.

Steps of housing mortgage loan:

1. Choose a lending institution: First, choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a problem.

2. Write application materials: After selecting an institution, you can submit the application with the materials required by the applying institution.

3. Preliminary review: We basically have no problems at this stage. Lenders will conduct a preliminary review of the basic materials we submitted before to see if the review meets their requirements.

4. Appraisal: general lending institutions, especially banks, need to go to designated or recognized appraisal institutions for appraisal, and appraisal fees will be charged during appraisal. The fees charged by different households are not necessarily the same, and the charging standards in different regions are also different.

5. Examination and approval of loan signing contract: The lending institution will re-examine the loan according to the previously submitted materials and evaluation report, and will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract.

6. Apply for mortgage registration and loan.

How to mortgage a bank loan to buy a house

Question 1: How to mortgage a bank loan with a house? The main process of mortgage bank loans with houses:

◆ The borrower shall fill in the Application for Mortgage of Residential House before the loan.

◆ The bank examines the borrower's loan application, house purchase contract, agreement and related materials.

◆ The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

◆ Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

◆ After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the house selling unit or building unit specified in the house purchase contract or agreement.

◆ Settle the loan. Loan settlement includes normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

Bank loan mortgage application materials:

◆ Real estate license

◆ Identity cards of the obligee and spouse.

◆ Household register of obligee and spouse.

◆ Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

◆ Proof of income

◆ If the owner of the real estate license has minor children, please provide a birth certificate.

◆ If the property has a bank loan, please provide the original loan contract and the latest bank statement.

◆ In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).

If you can't provide this service, you can operate it through an intermediary company, and of course there will be a certain fee. You can refer to it, I hope it will help you)

Question 2: Can the house be sold after the mortgage bank loan? It is ok to buy and sell a mortgaged house, but it should be done in two steps to handle the relationship between the two floors.

As far as the steps are concerned, the first step is to convert the mortgaged house into your own house again, which is to lift the mortgage. Of course, the buyer is required to pay the purchase price in the form of the purchase price, and you pay off the debt in the form of repaying the loan in advance. The second step is to handle the property transfer formalities according to the general process of second-hand housing transactions.

As far as relationship is concerned, the first level of relationship is the creditor-debtor relationship between you and the bank. Real estate is mortgaged by real estate. As long as the loan is not paid off, you have no right to sell the house. Therefore, paying off the debts of the bank and ending your relationship with the bank is the prerequisite.

The second level of relationship is your relationship with the buyer. One problem with dealing with this level of relationship is that buyers may feel risky and shrink back. Therefore, both parties to the transaction should be honest and operate in the sun.

Question 3: How to handle mortgage loan? Application materials for real estate mortgage loan:

(1) Property Ownership Certificate

(two) the identity card of the obligee and his spouse.

(three) the household registration book of the obligee and his spouse

(4) Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

(5) proof of income and the lender's income in the past six months.

(6) If the owner of the real estate license has minor children, please provide a birth certificate.

7) If the property still has a bank loan, please provide the original loan contract and the last bank statement.

(8) In order to improve the loan pass rate, please provide other family property certificates as far as possible, such as real estate license, stocks, funds, cash passbook, vehicle driving license, etc. , can be borrowed 15-20 years.

Steps:

The borrower applies to the bank, submits relevant materials-real estate appraisal, pre-loan investigation, examination and approval-and goes through the registration formalities; When a bank issues a loan, the borrower repays the principal and interest of the loan on time according to the contract-the loan is paid off and the mortgage formalities are cancelled.

If you don't know the specific steps, friends in Shanghai can communicate with me by email or phone: [emailprotected]

Question 4: How to use real estate to handle bank loans and personal real estate mortgage loan guarantees?

Personal real estate mortgage loan refers to a RMB loan issued by a bank to a natural person, with real estate legally owned by oneself or others and available for listing and circulation as collateral.

mortgage rate

① If ordinary houses are mortgaged, the mortgage rate shall not exceed 70%;

(2) With high-grade houses (the house price is more than twice the average house price of local houses), villas, high-grade apartments and commercial houses (including office buildings and shops) as collateral, the maximum mortgage rate shall not exceed 50%.

Real estate mortgage conditions

The property owner is a natural person with full capacity for civil conduct, and the property of an enterprise legal person, institution, administrative organ, social organization or other organization may not provide mortgage guarantee for personal loans;

② The building age of the mortgaged property shall not exceed 20 years;

(3) The mortgaged property should have complete property rights and be freely listed and circulated;

(four) the mortgage guarantee has obtained the consent of the property owner or other right holders;

The mortgaged property is within the administrative area of the city where the handling bank is located;

⑥ The types of houses should be mainly ordinary houses with strong mobility and shops with commercial environment, carefully set foot in high-end apartments, villas and general commercial outlets, and strictly control the mortgage loans of hotels and office buildings;

Applicants are required to provide the following materials

1, personal loan application form

2. The applicant and * * * have valid identity documents and household registration books.

3. Proof of loan purpose:

(1) When purchasing a house or a commercial house (including a first-hand building and a second-hand building), a legal and effective purchase contract, agreement or letter of intent shall be provided, which shall not be lower than the total purchase price.

30% capital or proof of payment (such as down payment invoice or bank deposit certificate);

(2) For other consumption purposes, a legal and effective contract, agreement or letter of intent shall be provided;

(3) For investment and operation, a legal and effective business license, written documents on the specific use of funds (such as feasibility analysis report), financial statements of the enterprise, purchase and sale, etc. shall be provided.

Contracts, etc.

4. Legal and valid property ownership certificate;

5. A written certificate of consent to mortgage issued by the authorized disposition of mortgaged property;

6. The appraisal report issued by the real estate appraisal institution recognized by the bank on the mortgaged property (or the pre-appraisal report recognized by the bank).

Question 5: How to buy a house with the existing property as collateral? If you get the property right certificate, it belongs to the property right of the factory owner, and you can pay the land transfer fee when listing. If it is a mortgage, you should generally state the purpose of your mortgage. Some banks stipulate that after your house is mortgaged, you can only buy a car, decorate it and let your children go abroad. You are not allowed to buy a house, but some banks still allow you to do it. Generally speaking, your loan is like this, that is, you hand over the property to an evaluation company for evaluation. For example, the market value of your property is 600,000, and he thinks it is 500,000 after evaluation. He borrows 50% according to the evaluation value, which means he can borrow 250,000. Some banks require that your longest repayment period is 10 years, and some banks can do it for 30 years, but don't expect too much.

Question 6: What is the process of mortgage loan? Mortgage housing loans can be divided into personal consumption loans and commercial loans according to the types of loans. The difference between these two loan methods is that the personal consumption loan amount is relatively low, about 5 million, while the commercial loan can be more than 654.38+million; Personal consumption loans can be loaned for up to ten years, and commercial loans can only be loaned for up to five years; The repayment method of personal consumption loans can only be equal principal and interest or average capital, while the repayment method of commercial loans can choose the repayment method of repayment of principal and interest at maturity besides equal principal and interest and average capital.

Mortgage loan must meet the following conditions: 1, with independent property right certificate; 2. It was built less than twenty years ago; 3. It must be a property that can be bought and sold freely and registered as a mortgage. There are no restrictions on the types of houses such as houses, villas, office buildings, shops, affordable houses and relocated houses. Property that does not meet the above conditions can apply for a loan through a guarantee company.

Mortgage loan amount: if commercial housing is used as collateral, personal consumption loans can usually reach 70% of the real estate assessment value, and commercial loans can reach 80% of the assessed value in individual banks; If office buildings, shops and villas are used as collateral, personal consumption loans can usually lend 50% of the appraised value of real estate, and commercial loans can lend 60% of the appraised value of real estate.

Personal requirements for mortgage loan: 1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);

3. Have a good credit record and willingness to repay; 4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek income, as well as other projects explicitly prohibited by national laws and regulations;

6. Can provide legal, effective and reliable house mortgage recognized by the bank.

Materials to be provided for mortgage housing loan: Personal consumption loan needs to be provided: 1. The original and photocopy of the valid identity certificate, household registration certificate (household registration book or other valid residence certificate) and marital status certificate of the borrower and its spouse; 2. Personal income certificate, a copy of the business license of the borrower's unit, the borrower's bank statement for the past six months, and other financial certificates such as real estate, automobile and equity. ; 3. Certificate or statement of loan use; 4. The ownership certificate of the mortgaged property. If the mortgaged property has obtained the land use right certificate, it shall also provide the land use right certificate; 5. Other documents or materials required by the bank. In addition to the above materials, enterprises should also provide the original business license (with annual inspection page), organization code certificate, tax registration certificate, loan card, a copy of the company's articles of association stamped with the official seal, the company's financial statements, the company's main account statements and personal main account statements for the last six months, the company's main sales contracts, loan purposes (purchase contracts, lease contracts, etc.). ) and the certificate of the company's fixed business place.

Mortgage loan processing flow and lending time: 1. Prepare materials and submit them, waiting for approval, and the approval time is usually within 7- 15 working days; 2. Carry out mortgage registration within 3 working days after approval. 3. The bank will arrange the loan after seeing other certificates.

Question 7: How to calculate the mortgage loan? The mortgage rate of general banks' housing mortgage loans is 50%-80%, which is different from bank to bank, that is, the housing value is 300,000, and the loan can only reach1.5-240,000, and the interest is generally calculated on a monthly basis. The current loan interest table is as follows. If you want to calculate the interest of a * * *

60000x0.054X360000 divided by 36 is what you pay back every month.

7.56 This number was a long time ago.

One to three years (including three years) 5.40

Three to five years (including five years) 5.76

More than five years 5.94

Question 8: What if the mortgage is not paid back? You can't sell the house during the mortgage period. Who do you think will buy a house mortgaged to the bank? Unless an acquaintance wants to buy your house, I will give you the money to settle the loan (generally not so stupid) and then transfer it to myself. If you really don't know, go through legal procedures. The bank will entrust it to auction as much as possible. Even the 65438+ 10,000 banks are responsible for themselves, which is equivalent to fake mortgages. This has nothing to do with your son. Personal reputation may have an impact if it is a husband and wife, because buying a house now is to check the reputation of both husband and wife, and there will be no legal responsibility. At most, you won't have a house, and the bank will be responsible for it. Generally, this situation will not happen in Beijing, but it is also quite special. Didn't I say that at most you would lose your house and you wouldn't be sentenced? Banks are mainly responsible for making fake mortgages, and banks will have certain bad debts. This is inevitable. Your loan has nothing to do with your son or your other houses. But if it can be returned, there will still be a criminal record. No criminal responsibility, overdue first. The average bank will not pay it back for half a year.

Question 9: Can the house being mortgaged be mortgaged to the bank again? Hello, you talked about getting two mortgage. In principle, it is possible. Some commercial banks provide this service, mainly depending on the intention of your lending bank. The following is a brief introduction about the second mortgage, which I hope will help you. The definition of secondary mortgage refers to remortgage the mortgaged property and obtain a loan from a specific lender. For example, suppose a property has been mortgaged in the bank and is still being repaid normally. In this case, if the owner applies for a mortgage loan again, there is no need to pay off the bank loan in advance. As long as he can pass the professional evaluation, he can re-mortgage according to the evaluation value. The characteristics of secondary mortgage The characteristic of secondary mortgage is that you don't have to pay off the previous loan, but you can directly re-mortgage and get a loan again, saving time and many intermediate costs such as early repayment. For the second mortgage of real estate, banks have different requirements for real estate, and the year when the real estate was built and the region where it is located will have corresponding requirements. For example, there are more restrictions on real estate before XX, or in some suburban counties, the loan ratio is relatively small. The amount of two mortgages The applicant can only go through the mortgage registration formalities once to realize the maximum mortgage loan. After obtaining the maximum loan amount, the loan can be withdrawn by stages as needed, and the interest calculation time is based on the actual payment time of each payment. This can save a lot of unnecessary interest costs. The documents and time required for handling the second mortgage are mainly based on the specific requirements of the regional construction committees. Usually only the applicant's real estate license (real estate license or house ownership certificate, land use right certificate or purchase contract and invoice) and identity documents (resident ID card, military officer's card, etc.). ) are needed. According to the time of spending money in each district and county and the time of handling other rights certificates, in general, the loan can be released on the day of receiving other rights certificates.

Question 10: How to sell a house with a bank loan? The former method is not feasible.

The latter method is usually feasible.

You need to go through an intermediary company, list, find a buyer and sign a tripartite contract. Ask the buyer to pay you a deposit of 50 thousand yuan in advance, and the contract will take effect.

Then ask the buyer to pay you 60% in advance. After receiving the money, go to the bank to "repay in advance" and pay off the principal owed to the bank.

The bank will give you a proof of paying off the loan, and then go to the real estate trading center to cancel the mortgage, and your house can be bought.

Then the buyer pays you the balance, and you go to the real estate trading center to transfer the real estate license to the buyer, and the transaction is completed.

The above procedures should be stated in the contract, and the 2% tax and agency fee should be stated by the buyer.

So you can get a good deal.

How much did you pay back the principal? Check the "repayment form" sent to you by the bank every month.

Since the principal has been repaid in advance, I don't owe him money, and of course I don't have to pay interest!

This concludes the introduction of how to use the house as a mortgage loan and how to use the house as a mortgage loan. I wonder if you found the information you need from it?