How to apply for mortgage loan?

Of course, the premise of this is that the buyer takes a fancy to your house, but he can't afford so much money at the moment and has to borrow money from the bank. In this way, you sell it "happily" and the buyer saves the trouble of getting a loan.

If the purchased property has been registered as mortgage, you should apply to the bank that provides housing loan. The process is as follows: application, real estate assessment, bank approval, contract signing, original mortgage cancellation, transaction transfer, mortgage filing and loan issuance. This process is complicated and needs to go to the bank for further consultation.

If your property mortgage has not been handled, you should negotiate with the developer (guarantor) first, and the developer will provide the transferee with a new guarantee and negotiate with the loan bank at the same time, otherwise the developer will be exempted from the guarantee responsibility and the loan bank will refuse to give you a loan. Because according to the relevant provisions of the Guarantee Law, mortgage registration is required for real estate mortgage, and buyers generally buy faster houses. You can't apply for mortgage registration without obtaining the real estate license when buying a house and lending. Therefore, at present, personal housing loans generally take the form of "phased guarantee plus mortgage loan", that is, before the mortgage registration of mortgaged real estate, the developer provides guarantee for the lender (purchaser), and after the mortgage registration is completed, the developer's guarantee is terminated.