① The borrower applies and submits relevant materials; ② Real estate appraisal, pre-loan investigation and approval; (3) After approval, go through the mortgage registration formalities; (4) When granting loans, the borrower shall repay the loan principal and interest on a regular basis as agreed in the contract; 5. Settle the loan principal and interest, and handle the mortgage cancellation procedures of the mortgaged house.
Second, how to borrow self-secured loans in the name of the company?
First of all, you must be a legal person or a shareholder of the company. You can speak in the company, personally operate the loan, inspect your personal qualifications, and use the loan for the company's business purposes. You must have collateral, and you can mortgage a third-party property. Loans are different.
Third, how to borrow a house mortgage loan
1, go directly to the bank. Meet the following conditions:
A houses that need to be accepted within A.20 years have clear property rights and can be listed and traded.
B. Credit compliance: The account manager of this bank will help you check your credit status. If the credit is too bad,
C. the repayment ability of the homeowner: your repayment ability. That is, to have a stable income. For example, if you take a 10 loan for about 2000 yuan. You should have enough ability to repay the monthly payment and ensure your own life.
2. The terms and conditions are basically the same as those of the bank, except that the procedures are run by the guarantee company and the bank cooperates. Therefore, there must be advantages in interest rate, processing speed and lending. Of course, customers have to bear a certain service fee.
The basic process is as follows: signing a loan contract-evaluating the house-loan approval-construction Committee.
Time: generally 1.
Apply for real estate mortgage loan
1. The applicant is over 18 years old.
2. Have a stable job and income and good personal credit;
3. Other conditions stipulated by the applicant bank.
4. It is generally required that the age of the building should not be too high (there are few banks with more than 20 years).
5. It is generally required that the property cannot be mortgaged (or the last loan is paid before the mortgage loan is paid).
Extended data:
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan, with the borrower's real estate, securities and contracts as legal acquisition and pledge. In fact, this kind of loan means that the creditor has the right to transfer the debt to the creditor (mortgagee) to obtain the loan, and the creditor can get the principal and interest of the current period first.
This loan method provides the most effective guarantee for creditors to recover their loans. The adoption of mortgage loan in housing credit is based on the 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 in housing loans issued to individual residents.
Refer to Baidu Encyclopedia-Housing Mortgage Loan
Fourth, how to borrow a company mortgage loan
Companies can mortgage loans.
The enterprise mortgage loan shall meet the following conditions:
1. Have business license, tax registration certificate, code certificate, etc. ;
2. Have a loan card issued by the People's Bank of China, and have no bad credit record;
3. The company has been registered and operated for more than one year, and its annual turnover in the latest year is more than three times the loan amount.
The characteristics of enterprise mortgage loan are:
1. The business premises used for mortgage must be a loan owned by the borrower, located in a bustling business district, and used for external rental, and the rent collected is paid as the repayment source;
2. The loan can be used for legal and compliant capital requirements within the company's business scope, including but not limited to bond swap funds and funds exceeding the prescribed proportion of project capital;
3. The value of mortgaged property must be evaluated by a real estate appraisal company with the qualification of real estate appraisal institutions above Grade II in the Measures for the Administration of Real Estate Appraisal Institutions promulgated by the Ministry of Construction.
① The borrower applies and submits relevant materials;
② Real estate appraisal, pre-loan investigation and approval;
(3) After approval, go through the mortgage registration formalities;
(4) When granting loans, the borrower shall repay the loan principal and interest on a regular basis as agreed in the contract;
5. Settle the loan principal and interest, and handle the mortgage cancellation procedures of the mortgaged house.
According to Article 209 of the Civil Code: "The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. The ownership of natural resources owned by the state according to law may not be registered. " Therefore, the company set a mortgage on the property and was established at the time of registration.