Many banks can be China Industrial and Commercial Construction Bank, Beijing and other large and small banks.
The mortgage loan process of real estate license is as follows:
1 Prepare all materials, such as husband and wife ID cards, household registration books, marriage certificates, real estate licenses, house purchase contracts or invoices.
Bank statement of personal account in the last six months
Apply for a loan from the bank and fill out the loan application form.
The bank will check your information and verify your information by phone.
The bank agrees to lend money, and you and the people from the bank go to the Housing Authority for mortgage registration.
Banks lend money with other warrants.
Second, the term of Beijing housing mortgage loan
The subjectivity of law: 2. What is the longest term of real estate mortgage loan? If it is a new house mortgage, the term of the real estate mortgage loan cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure. To apply for housing mortgage loan, the house provided by the borrower must meet the requirements of bank mortgage loan. If the borrower's house does not meet the requirements of the bank mortgage loan, he can't apply. 3. How much can a mortgage loan be borrowed? The amount of mortgage loan depends on mortgage loan, and the amount of loan depends on the evaluation of housing value, which is lower than the housing market price. Generally speaking, the appraised value of a house is influenced by its service time, market value, location, property type and liquidity. And the mortgage loan ratio does not exceed 70% of the assessed value of the house. However, depending on the type of real estate, the maximum loan ratio also has an impact. For example, the proportion of personal commercial housing mortgage loans is the highest, at 70%. The proportion of mortgage loans for office buildings and shops is only 60%; The highest proportion of factory mortgage loans is only 50%. At the same time, the following types of houses cannot be mortgaged: houses with an area of less than 30 square meters and a house age of more than 20 years; Affordable housing that has not been used for five years; Small property houses are recognized by housing management; Some bought public houses and so on.
3. How to handle Beijing real estate mortgage loan?
Beijing Diamond City real estate mortgage processing flow: (1) The real estate under the customer's name is first of all a large property house that can be registered for real estate mortgage; (2) Find the mortgage contract guarantee handling department of our bank to apply for mortgage contract guarantee; (3) We choose the best bank and the best real estate appraisal agency for our customers to evaluate the real estate provided by our customers and submit the real estate appraisal report. (4) We assist customers to handle the formalities of real estate insurance and the corresponding examination and approval procedures of contract guarantee, and the maximum amount of contract guarantee can reach 80% of the assessed value. (5) We assist customers to go through the mortgage registration formalities with the real estate license and loan contract at the district/county real estate bureau where the real estate is located. (6) After the mortgage registration is completed, the bank can issue a contract guarantee.