Borrowers need to hold ID cards, motor vehicle driving licenses, bank repayment details and other information, go to the loan bank to explain to the staff that they want to get back the motor vehicle registration certificate mortgaged in the bank, and then show the repayment details and ID cards, and wait for the staff to verify the information before they can handle it. If the borrower applies for a car loan from a finance company, he/she needs to go to the 4S shop of the car he/she bought to get the motor vehicle registration certificate and go through the formalities of canceling the car mortgage. The borrower holds the motor vehicle registration certificate, loan settlement certificate and ID card to the local vehicle management office. , and apply to the staff to cancel the car mortgage, and then provide relevant information as required. After verification, the mortgage can be cancelled. Due to the relevant restrictions of lending institutions, most of the first beneficiaries of buying auto insurance are lending institutions. Only after all the car loans are settled.
Second, how to obtain mortgage loans for Kunshan housing? I need a 30W mortgage loan.
Mortgage loans will vary according to different regional policies. It is recommended to consult the local bank staff in detail.
Mortgage loan application conditions:
Loan terms:
(1) China citizens with permanent residence in China, permanent residence in local towns and full capacity for civil conduct, 18-65 years old;
(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;
(3) There is a legal and effective purchase contract;
(4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
(5) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;
(6) Being able to provide effective guarantee recognized by the loan bank;
(7) Other conditions stipulated by the lending bank.
Information to be provided by the Mortgagor:
1. A written application of the mortgagor agreeing to mortgage and relevant certificates; (ID card, household registration book, proof of marital status, etc. )
2. Qualification certificate of the mortgagor;
3. Proof of ownership (or disposition right) of the mortgaged property;
4. Basic information of the collateral;
5. Other relevant information.
The mortgage application process is as follows:
1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. According to the bank loan process, the bank will review the borrower's loan application, house purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
5. According to the above-mentioned real estate mortgage loan process, after the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
note:
The loan amount shall not exceed 70% according to the present value of collateral. The longest loan period is 30 years.
3. What is the mortgage interest rate of Kunshan Bank? Want to mortgage the property,
Hello, the mortgage interest rates of different banks are different.
Housing mortgage loan
Within 1. property ownership certificate
2. Identity cards of beneficiaries and spouses
3. Household register of beneficiary and spouse
4. Marriage certificate of the beneficiary (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
5. Proof of income
6. If the real estate license benefits people with minor children.
7. If the property has a bank loan, please provide the original loan contract and
8. In order to improve the loan pass rate, please try to provide other family property certificates, (,funds, cash passbook, vehicle driving license, etc. )
I hope I can help you. If it helps you, I hope it can be adopted. Wish you all the best!
4. How to get a mortgage loan in Qingdao? I need a 30W mortgage loan.
There are two kinds of mortgage loans, one is personal consumption loan and the other is personal business loan. Take the real estate license to the bank for mortgage. Submit the identity cards of both husband and wife. Original property certificate. Accounts and other documents to the bank for mortgage procedures.