First of all, it depends on whether you are a personal loan or a company loan, but the procedures are similar. If you can handle it, please ask the appraisal company to evaluate the value of the collateral first, and then discount it to get how much cash you can borrow. After the approval, you must buy insurance for the mortgage to get the money. If it is a company, it needs a series of complicated preliminary approvals such as rating and credit granting before it can be processed.
Second, how to open a physical mortgage store?
The steps to open a physical mortgage store are as follows
1. Complete the registration procedures and prepare the business license and business premises.
2. Select the business scope of the physical mortgage store.
3. Prepare funds and purchase necessary equipment and articles.
4. Establish a legal business license of the entity mortgage store.
5. Regularly review the financial accounts of physical mortgage shops to ensure financial stability.
6. Actively develop the business of physical mortgage shops, continuously improve the service quality and expand the market.
7. Check the equipment of the physical mortgage store regularly to ensure safety.
3. What information do I need to apply for a mortgage loan?
Required information: 1. Basic four pieces: ID card, household registration book, marriage certificate and real estate license (unmarried people don't need marriage certificate, divorce certificate is needed) 2. You need to hold the certificate for half a year or a year, and the holding time affects the range of banks you can choose. The bank runs for one year, which is a condition for the bank to preliminarily judge whether you have repayment ability. 3. Credit report also affects loan interest, repayment method and repayment method. The advantage of mortgage loan is that the interest rate is low and the collateral also has the right to use. However, mortgage loans also have unpredictable risks, so handling mortgage loans also requires certain qualification requirements. : 1. What are the procedures for going to the bank to decompress the mortgage? 1. Generally, it is the borrower's ID card, contract, bank card or cash. Some banks need an appointment. After acceptance, banks will return other warrants, power of attorney, settlement certificate and other materials to you in different degrees within a few working days. You can take these materials to the local housing authority to find out. 2. You can get the house book after the loan, but you can pay attention to the mortgage record on the house book, including the mortgage amount and term. At the same time, the bank retains other warrants printed by the local housing authority. After your loan is settled, the bank will return the other warrants to you. You can take it to the Housing Authority to find out the mortgage situation, print the cancellation date after the mortgage record, and the property right will be 100% yours, and you can sell it again or mortgage the loan. 3. Mortgage loan, also called mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
4. What are the procedures for physical mortgage loan?
First of all, it depends on whether you have a personal loan. If it can be handled, please evaluate the company and how much cash the mortgage can get. After the approval, you must buy insurance for the mortgage, so that you can get money, credit and other complicated preliminary examinations.