The mortgage appraisal company will evaluate the house when it arrives. Different bank policies are different, and different product policies of the same bank are also different. There are three kinds of evaluation, depending on which bank's products you are making. The first type: online assessment, not on the door; The second type: online comments, bank account managers come to the door; The third type: offline evaluation, evaluation company door-to-door evaluation.
Must I go to the house to evaluate the mortgage before signing the contract?
Mortgage is generally assessed at home. Sign the contract after evaluation.
When you go to the bank to apply for a mortgage loan, the general bank will entrust an appraisal institution to let the staff of the appraisal institution take photos at home and collect relevant information about the house. In the process of loan review, we can use this information to evaluate the price of the house, and then determine the loan amount according to the house price.
After receiving the notice that the bank entrusts the appraisal agency to inspect the house, the customer should wait for the staff to come to the house within the agreed time, and remember to prepare personal ID card, real estate license and other materials. If you don't have time, you can entrust relatives or friends to help you stay at home and wait for the staff to see the house. Or discuss with the bank to see if it is possible to postpone the on-site inspection.
Under normal circumstances, as long as the mortgaged property right is clear and sufficient, the customer also meets the loan requirements put forward by the bank, has a stable economic income, has the ability to repay the loan principal and interest on time, and has good personal credit, then the mortgage loan can usually be successfully handled.
How to borrow a house mortgage loan
Mortgage loans can be handled through banks or loan platforms. Moore Longkou Monument is very good. A single enterprise tax bill loan can be 5 million, and the loan can be released in 30 minutes. As long as the loan is 1 day, the apartment shop can also apply. Good reputation, recommended choice!
To apply for a mortgage loan, you need to meet the following conditions:
1. The borrower must be at least 18 years old and have full capacity for civil conduct, and the actual age plus the loan period cannot exceed 65 years old; Having a fixed residence and permanent residence in the town; Have a proper job and a stable source of income, and be able to repay the loan principal and interest on time; Personal credit information is good and there is no bad credit record.
2. The property right of the house mortgaged by the borrower is clear, which meets the conditions for listing and trading, and can enter the real estate market for trading; Mortgaged houses are not included in the urban transformation plan, and there are real estate licenses and land certificates; If the house age is less than 30 years, the sum of the house age and the loan term shall not exceed 40 years.
For more information about the loan, it is recommended to consult Moore Long. Moore is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong R&D and operation capabilities of the Internet and information technology, excellent management team and resource integration advantages, we strive to build industry standards in terms of customer acquisition, marketing, operation and product design, and provide customers with loan products with lower interest rates and higher value. Moore's loan products are all from partners, including traditional banks, emerging consumer finance companies and small loan companies. Big brand, trustworthy!
How to borrow a construction mortgage loan
At present, more and more people will invest to increase their income, but the funds are limited, and many people will mortgage real estate. How to get a mortgage loan? For those who are not clear, they are still confused. Then let's take a look at the following! Rn first applies for mortgage loan from the bank, fills in relevant forms, indicates the purpose and submits the required documents. Then the staff conducted a preliminary review of the materials, and made a door-to-door evaluation of the building after it was correct, and made a report. Then submit the materials and evaluation report to the superior for approval. After passing, the loan contract will be signed and notarized, and finally the mortgage will be handled in the real estate department. The evaluation value of Rn buildings is often different from the market price, which is different. Because the evaluation is influenced by many factors, its evaluation value is also high or low, which is not fixed. In real life, many people think that the greater the evaluation value, the more loans they can get. But this is not the case. This is often not approved by the bank and is suspected of fraudulent loans. In addition, in order to speed up the loan processing, it is best to prepare all materials in advance so as not to affect the loan progress. Rn mortgage loan requires clear property rights of the building, and the real estate license has been obtained, but it is not going to be obtained immediately. Do not meet the requirements, not through the loan approval. At the same time, mortgage loans also have requirements for the age of the house and must meet the conditions. Rn first-hand housing should be within 20 years, and the loan period should not exceed 40 years. The loan time can be divided into these types: housing loan can be loaned for up to 30 years, consumer loan can be loaned for up to 10 year, and commercial loan can be halved. Rn second-hand housing has strict requirements on the age of the house. Under normal circumstances, you can apply for a mortgage loan only if the house age does not exceed 15 years. In addition, the applicant's age must meet the standards set by the bank, and his personal credit is good, he has a stable income and job, and his final debt is less than 50%. In the end, many people will think that the property right will no longer belong to them if the building is mortgaged to the bank. Actually, it is not. After the loan is paid off and the mortgage is cancelled, the property right of the house shall be returned to the applicant. And during the loan period, the property right is mortgaged to the bank, but the right to use still belongs to the applicant. Rn hopes that the above answers will help you.
Will the mortgage bank come to the door for evaluation?
The procedure of formal loan is that the mortgaged property needs to be appraised by the appraisal company first, and then the house value given by the company can be loaned to 60% to 70% according to the house value. Materials needed to prepare the mortgage loan guarantee of real estate in the early stage: (1) personal identification, household registration book, proof of residential address and proof of marital status; (2) personal income certificate or asset status certificate; (3) Proof of the property right of the mortgaged house.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 387 Where a creditor needs security in order to ensure the realization of his creditor's rights in civil activities such as lending, buying and selling, he may establish a security interest in accordance with the provisions of this Law and other laws.
If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee. The provisions of this law and other laws shall apply to counter-guarantee.
Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property.
The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
Article 425 Where the debtor or a third party transfers his movable property to the creditor to guarantee the performance of the debt, and the debtor fails to perform the due debt or the creditor has the right to be paid in priority for the movable property.
The debtor or the third party specified in the preceding paragraph is the pledger, the creditor is the pledgee, and the delivered movable property is the pledged property.
The introduction of mortgage housing evaluation ends here.