Mortgage ratio of real estate: the original bank loan plus secondary mortgage of real estate is generally about 50% of the house price (up to 60%);
Real estate appraisal: subject to the field appraisal of five-color soil.
Mortgaged property: shops, office buildings, factories, warehouses, land, houses and villas;
Location of mortgaged property: all districts of Nanjing; Required materials
Five Data of Personal Mortgage Loan
1, individual property right certificate; (If there is mortgage loan, provide the recent statement, the original loan contract and the property file inquiry form);
2. ID card and household registration book (marriage certificate or divorce certificate);
3. The bank flow of an individual or enterprise in the past year;
4. Personal credit report;
5, five-color soil field survey of real estate, operating conditions, no room to provide purchase contract invoices, real estate indoor and outdoor photos.
Five data of enterprise mortgage loan:
1, enterprise real estate license; (If there is mortgage loan, provide the recent statement, the original loan contract and the property file inquiry form);
2. Articles of association, legal representative and identity cards of shareholders;
3. The bank flow of the enterprise in the past year;
4, enterprise real estate purchase contract invoice, enterprise real estate indoor and outdoor photos;
5, five-color soil field investigation of real estate, business situation.
Does anyone know how to apply for real estate mortgage in Nanjing?
Hello, mortgage loan process.
1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. # Hello, Nanjing loan application is as follows:
The purpose, amount and term of the loan proposed by the borrower;
Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required. Including: my spouse's ID card, household registration book, income certificate, personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status.
Housing evaluation: relevant institutions conduct on-the-spot investigation, evaluation (survey) and valuation of mortgaged houses;
Loan approval: submit all loan application materials together with the evaluation report or opinion to the bank for approval;
Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;
Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract;
Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
What is the process of Nanjing real estate mortgage loan?
Hello, Nanjing individual housing mortgage loan conditions are as follows:
1, a natural person with people's nationality and full capacity for civil conduct.
2. Hold valid identity documents.
3. Have a stable and legal source of income.
4. Mortgaged property has real estate license, clear property rights and can be listed and circulated.
5. Other conditions stipulated by the bank.
Nanjing Personal Housing Mortgage Loan Process:
1. Loan application: the purpose, amount and time of the loan proposed by the borrower.
2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required. Including: my spouse's ID card, household registration book, income certificate, personal consumption contract and marital status certificate. Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status.
3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses.
4. Loan approval: submit all loan application materials together with the evaluation report or opinion to the bank for approval.
5. Notarization of loan contract: After the borrower and the mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary.
6. Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract. # Hello, the information that Nanjing Housing Mortgage Bank needs to provide for loan:
1, ID card, household registration book, marriage certificate.
2. Real estate license and land certificate.
3. Personal work or business information.
4. Proof of loan use.
Loan process
1. The borrower applies and submits relevant materials.
2. Conduct real estate appraisal and pre-loan investigation and approval.
3. After approval, match the right investors.
4 for loan notarization and mortgage registration procedures.
When his warrant comes down, he will issue a loan.
6. The borrower shall repay the loan interest regularly as agreed in the contract.
7. Settle the loan principal and interest and recover the mortgaged house.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
How to do Ping An Pratt & Whitney mortgage loan in Nanjing?
Loans are becoming more and more common in our present life, and people are accustomed to loans now, mainly because people will inevitably encounter financial difficulties in their present lives. At this time, it is possible to find someone to borrow it, but it is not always available, so a loan is the best solution. However, mortgage loan is the best loan at present. Let me talk about the process of Ping An Pratt & Whitney real estate mortgage loan.
Introduction of Ping An Pratt & Whitney Real Estate Mortgage Loan Process
1. Download the "Ping An Pratt & Whitney" APP, which can be searched and downloaded in all major application markets. Registration and real-name authentication.
2. Open the homepage of Ping An Pratt & Whitney APP and click "Home E Loan".
3. It can be verified in the same city: select according to the location and address of the house on the real estate license (after verification, you can enter the next operation).
4. Select the "Direct Selling" channel type and enter the channel code abbreviation. This is the E-loan Customer Service Specialist (that is, Bian Xiao himself, I hope all customers and friends will support me a lot, and Bian Xiao will try his best to help you solve the problem).
5. Personal credit inquiry authorization-customer signature
6. Binding bank cards (Ping An Bank is preferred, followed by Industrial and Commercial Bank of China and China Construction Bank)
7. Click Next. Be sure to fill in the information for identity verification and complete the loan information. No matter which term is chosen, there is no penalty for early settlement. It is recommended to choose 36 installments, with the least repayment pressure. The loan amount is written as 6,543,800 yuan (without affecting the appropriation amount. If it is too high, it may be rejected because the application amount cannot be approved. )
8, real estate information, one note and two notes carefully, be sure to check it again after filling it out. Whether there is mortgage: mortgaged house √ Yes; Full house √ No.
How about e-loan for Ping 'an House?
The full name of Ping 'an House E loan is universal mortgage, which is a kind of housing mortgage loan product. Since it was launched on August 20 15, it has received rave reviews. Online application is supported by e-loan of Ping An House, and borrowers can fill in the application form online. After the appointment is successful, submit the information as required. The maximum amount of E-loan for Ping 'an House can reach 5 million, and one application can be used for multiple loans within five years, with the fastest loan within 1 day, and the loan has a wide range of uses.
Conditions for E-loan of Ping 'an House:
1. The borrower is between 25 and 55 years old; Mortgagor 18 years old and under 60 years old.
2. Good credit record (white families with credit information can also apply).
3. Mortgaged property: Only one mortgage application or two mortgages are accepted.
Tips: In addition to web applications, Ping An Haofang e-loan supports APP applications. Applicants can download Ping An Pratt & Whitney's APP and click on Zhai E Loan to apply according to the page prompts. After submitting the information, the system will automatically approve it, and you can go to the corresponding store for an interview according to the prompts.
The above is the introduction of Ping An Pratt & Whitney real estate mortgage loan process. I hope it will help everyone. Now you'd better go to the bank to apply for real estate mortgage. But for some friends, the bank conditions are a bit strict, so sometimes the loan application may not pass, so some people go to the lending institution. If your loan qualification is not good, but you want to apply for a loan, you can also click on our online customer service and fill in the basic information. Customer service will recommend a suitable lending institution for you according to your situation.
Is the loan amount in my Nanjing real estate register the same as the loan amount?
Not necessarily. The loan amount is determined according to the amount agreed in the mortgage loan contract recorded in my Nanjing Real Estate Register.
If the amount agreed in the loan contract is inconsistent with the actual loan amount, the actual loan amount shall prevail. In addition, we should also consider the repayment of mortgage loans. If some loans are not paid off on time, the loan amount recorded in my Nanjing real estate register will also decrease.
Therefore, the loan amount recorded in my Nanjing real estate register is not necessarily the loan amount.
What is the mortgage process of Nanjing real estate license?
The specific process of mortgage loan for real estate license is as follows:
Information required for housing mortgage loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, etc.). Both are required) # Hello, the mortgage loan process of real estate license is as follows:
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, with a stable source of income and the ability to repay the principal and interest in full and on time;
5, can provide legal, effective and reliable housing mortgage loans recognized by the bank;
6. Open a personal settlement account in a bank;
7. Other conditions stipulated by the bank.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!