Real estate mortgage loans need to meet the following conditions:
1. For the lender, the credit must be good. If the repayment is overdue for three consecutive months within two years, or the repayment is overdue for six times, it is not good credit. In addition, the lender also needs to have repayment ability, and can provide personal bank flow or basic enterprise information within one year as proof; And there are requirements for the age of the lender. Some banks require lenders to be between 18 and 65 years old before they can mortgage loans to banks.
2, real estate mortgage loans need to explain the purpose of the loan. For example, if the loan is used for enterprise operation, it is necessary to provide the purchase and sale contract as proof;
3. If you use real estate as collateral, you need to explain the nature of the real estate at the time of loan, such as whether it belongs to a house, villa or apartment; In addition, there are also requirements for the area, value, age and location of real estate, which need to be determined by banks, and different banks have different requirements. For example, some banks require real estate with an area of 35 to 40 square meters, a value of more than 2 million and a house age of no more than 25 years.
4. Other conditions: if the lender is divorced, it is also necessary to provide a divorce agreement or a divorce judgment; Moreover, banks need to accept mortgage loans at the first time. If the property has been mortgaged to others before, the bank will not accept the property as collateral.
Other questions are welcome.
What are the procedures for Zhengzhou mortgage loan?
The procedure of housing mortgage loan is as follows:
1. The applicant confirms that the house has not been registered for mortgage.
Two, the applicant to the relevant registration department of the bank to apply for housing mortgage loans.
Three, the applicant to submit the information required by the bank.
Four, the bank review information, qualified by the assessment company to assess the housing, determine the loan amount.
5. The bank checks the original ID card, household registration book and marriage certificate.
Six, the mortgage parties identified the original list of houses that have been sold and registered for transfer.
According to Article 33 of the Guarantee Law, the term "mortgage" as mentioned in this Law means that the debtor or a third party takes the property listed in Article 34 of this Law as a guarantee for the creditor's rights without transferring its possession.
When the debtor fails to perform the debt, the creditor has the right to discount the debt or give priority to compensation with the price of auction or sale of the property in accordance with the provisions of this law. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided as guarantee is the collateral.
What is the process of Zhengzhou real estate loan?
1, Zhengzhou real estate commercial loan process.
(1) Apply for a mortgage loan and fill out the mortgage loan application form.
(2) Submit the application and the bank will review the lender.
(3) After the approval of the bank, sign a house purchase contract with the lender.
(4) The lender signs the house mortgage contract with the developer and the bank on the basis of the relevant legal documents of the bank.
(5) The lender goes to the real estate management department for mortgage registration and related procedures.
(6) The lender opens a repayment account in the loan bank and repays the loan on time according to the time stipulated in the contract every month.
2, Zhengzhou provident fund real estate loan process.
(1) The lender submits an application for provident fund loan to Zhengzhou Provident Fund Center or bank.
(2) Zhengzhou Provident Fund Center or bank shall review the lender's information.
(3) After approval, the Provident Fund Center will approve the loan application of the user.
(4) After the approval of Zhengzhou Provident Fund Center, the lender needs to sign a loan contract with the Provident Fund Center and the bank.
(5) After Zhengzhou Provident Fund Center issued the loan approval opinion, the bank issued the loan to the lender.