I'll try to be more specific. First of all, the process of real estate mortgage loan:
1, loan application: the purpose, amount and time of the loan proposed by the borrower to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.
2. Prepare loan materials: After providing valid authorization materials, if it is an individual housing mortgage loan, you need to provide your and your spouse's ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate and house ownership certificate. If an enterprise needs to mortgage real estate, the materials it needs to provide include: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the last six months, financial statements of last year and the last six months, and asset certificates (different materials will be provided according to different banks).
3. Housing evaluation: After the bank submits the above materials, it will conduct on-the-spot investigation and evaluation on the mortgaged property according to the submitted materials. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.
4. Loan approval: submit all loan approval materials, evaluation reports or appraisal opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information. If anything is omitted, it will affect the loan progress.
5. Notarization of loan contract: The borrower's first-level mortgagor fills in the loan contract and all relevant documents, signs it and prints it, and the notary will notarize it.
6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures at the real estate registration agency with the house ownership certificate and notarized loan contract. The following are the precautions for mortgage loan of real estate: 1, and the mortgage of real estate needs to be the real estate under the borrower's name. If a third party has it, a statement that someone agrees to the mortgage loan must be issued at the time of mortgage; 2. In the marriage certificate provided, if there is a divorce, a divorce agreement or judgment shall be provided; If you are single after divorce, you need to provide proof that you have not remarried after divorce; 3. Need to clarify the purpose of the loan. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, and consumers should pay attention to policy risks. 4. A house that has not paid off the loan cannot apply for a mortgage loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again. 5. Small property houses do not have the right to trade real estate mortgage loans. This is because small property houses have no property rights and may be eliminated under the policy of land use planning, so financial institutions will not mortgage such properties. To get a lot of money, real estate mortgage is a good channel, so many people will want to mortgage their houses when they are short of money, and then raise money. At present, there are many companies operating real estate mortgage loans in the market. Hong Service would like to remind you that when choosing a financial institution to handle real estate mortgage loans, please be sure to choose a compliant institution. One of the main services in Hong Kong is real estate mortgage loan. Over the years, we have been providing real estate mortgage services for enterprises and individuals, and have a lot of successful experience in real estate mortgage loans. It is one of the most qualified and powerful real estate mortgage loan companies in Shanghai.
Second, how to handle Wuxi real estate mortgage loan?
How to handle Wuxi real estate mortgage loan; Handle the real estate mortgage loan process. . .
1, account number;
2. Information on the demand for the proposed loan;
3. Go to the designated institution of the bank to evaluate the real estate;
Step 4 face
5. Bank filing and approval;
6. Approve the next batch of loan letters;
7. Go to the local construction committee for mortgage registration, and the construction committee will issue his right certificate;
8. About the number of branches;
nine
10. Post-lending review of banks;
Generally, it takes 15-20 working days to lend money. (if there is a relationship.
Three, real estate mortgage loans generally need to provide what information?
The materials required for house mortgage are as follows: 1. Property certificate. When mortgaging bank loans, the real estate license and land certificate must be mortgaged to the bank; 2. Identity cards of the obligee and his spouse, including all ownership certificates; 3. Household registration books of the obligee and spouse, including all household registration books with property rights; 4. Marriage certificate of the obligee; 5. proof of income. This certificate has a great influence on the success and maximum amount of mortgage bank loans; 6. If the owner of the real estate license has minor children, please provide a birth certificate; 7. If the property has a bank loan, please provide the original loan contract and the latest bank statement; 8. In order to improve the pass rate of mortgage loans, please provide other family property certificates as far as possible. 9. If it is an enterprise loan, it is required to provide: the original and photocopy of the business license, the original of the organization code certificate, the original of the tax registration certificate, the basic account opening permit, the loan card, the articles of association, the enterprise ID card and other shareholder ID cards, the enterprise bank statement, the financial statements of the previous year, the financial statements of the last three months, the resolutions of the board of directors, the company introduction and the explanation of the use of funds. Measures for the Administration of Individual Housing Loans Article 5 A borrower must meet the following conditions at the same time: 1. Have permanent residence in cities and towns or valid residence status; Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal share will be used as the down payment for the purchase; 5. Take the assets recognized by the lender as collateral or pledge, or take the unit or individual with sufficient compensatory capacity as guarantor; Other conditions stipulated by the intransitive verb lender.
What about Wuxi real estate mortgage loan? What information do you need?
I'm Shunchi. You can borrow money. If it is more than 60 square meters, you can usually get a normal commercial loan, but the house is older and generally strict banks will not handle it. Usually CCB and BOC are relatively loose.