First, the general process:
1. Loan application: the time when the borrower proposed it;
2. Prepare loan materials: documents and certificates required by the borrower to apply for a loan;
3. Housing evaluation: relevant institutions conduct on-the-spot investigation and evaluation of mortgaged houses;
4. Apply for a loan: submit all loan application materials together with the bank for approval;
5. Notarization of loan contract: the borrower and the mortgagor fill in (loan contract), and all relevant documents are notarized by witnesses;
6, mortgage contract notarial certificate to the housing management department for mortgage registration;
7. Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.
Second, the required information:
1, real estate license;
2. Rights
3. Household register of the obligee and spouse;
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income;
6. In order to improve the loan pass rate, please provide as many house certificates, stocks, funds, cash passbooks and vehicle driving licenses as possible. ) as far as possible;
7、
8. Other information stipulated by the bank.
3. How much can a mortgage loan be borrowed?
Generally, you can borrow a house with about 7 floors to evaluate the value.
Second, Beijing housing mortgage loan processing process?
Mortgage process of affordable housing in Zuancheng: (1) The property under the customer's name is first of all a large property right house that can be registered for mortgage; (2) Find the mortgage loan handling department of our bank to apply for mortgage loan; (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 our customers to handle the formalities of real estate insurance and the corresponding loan approval, and the maximum loan amount can reach 80% of the appraised 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 loans.
3. What are the mortgage loan processes in Beijing? What's the procedure?
Hello, Beijing, I have been working for 5 years.
This is an article I wrote, I hope it will help you.
How to apply for real estate mortgage loan in the bank? What information do you need? What is the loan process?
First of all, you need to have a tradable property. Tradeable here refers to rural bungalows, small property houses, homestead and other real estate with red capital.
There are many types of real estate in Beijing. Houses, apartments, villas and maternity rooms can all apply for mortgage loans.
Secondly, you need a business license. At present, the mainstream real estate mortgage loans are mainly commercial loans, and all of them need a license. No license is needed, and now there are banking products suitable for newly registered.
Then transfer.
What information do you need for a loan?
1, personal data: ID card, household registration book, marriage certificate, household registration book (copy acceptable), personal flow, credit information, etc.
2. Company information: original and photocopy of business license, official seal, company flow, upstream and downstream contracts, etc.
What is the loan process?
1, face-to-face bank information collection requires both husband and wife to come forward together, and some online banking products can also be operated on mobile phones.
2. Evaluate the next customer of the company and the next customer of the account manager.
3. The loan letter is issued by the notary office and notarized.
4. Construction Committee mortgage loan. Now banks are all online mortgages, and customers are not required to come forward.
5. Trust the house and get a loan.
This is the general situation of a real estate mortgage loan operation. Of course, there will be subtle differences between different banking products, for example, some do not need convenient custody, and some do not need notarization.
4. Beijing e-loan application process?
You can borrow it.
Bank of Beijing Jing e loan is a loan product launched by Bank of Beijing for employees of enterprises and institutions. The loan product is mainly a credit loan, which can be applied without providing mortgage. You can apply directly through mobile banking. The application conditions of Bank of Beijing Beijing Easy Loan are as follows:
1. The age range of loan applicants is between 22 and 60, and they need to have full capacity for civil conduct.
2. The borrower must open a first-class account with Bank of Beijing and register for mobile banking.
3. The credit status of the loan applicant is good and there is no stain.
4. The loan applicant must provide stable proof of income.