(1) With the real estate license, you can go to the district/county real estate bureau where the property right house is located to ask whether the property right house is overdue, and you can register the property mortgage;
(2) If you get a clear answer that you can handle, please apply for a mortgage loan to CCB's personal comprehensive consumer loan institution with the Property Certificate and relevant personal data;
(3) CCB entrusts a real estate appraisal agency to evaluate the applicant's own property, and submits a real estate appraisal report, charging a handling fee of 3‰ of the appraisal value;
(4) CCB assists the applicant in handling the formalities of real estate insurance and the corresponding loan approval procedures, with the maximum loan amount not exceeding 70% of the assessed value, and agrees to issue loan contracts and mortgage contracts after approval;
(5) The borrower shall go through the mortgage registration formalities with the real estate license and loan contract at the county real estate bureau where the real estate is located, and the agency expenses shall be borne by the borrower;
(6) After the mortgage registration is completed, CCB can release the loan to the borrower's personal savings account.
You said your house was worth 300,000 yuan. Maybe you said it yourself. As mentioned above, CCB has appointed a real estate appraisal agency to help you evaluate it, so I don't know if it can really be worth 300 thousand. Moreover, as mentioned in the fourth point above, the maximum loan amount cannot exceed 70% of the assessed value, so I estimate that I can only lend189,000. (Personally, your house is estimated to be worth 250,000 yuan) * 0.03 = 7,500 RMB, which is real estate assessment. So be careful with loans! !
Part of the information comes from: Baidu knows