What is the inquiry method of personal mortgage information?
The general query method is the local housing authority, but it can only be checked by itself and needs to be identified. You can only find out whether the house has been sold or set up. It is impossible to find the owner's personal information online. What you can find is the location of the house, residential location, building number, area and unit. It's hard to say in different places, depending on the degree of real estate information networking construction.
What is the process of real estate mortgage loan?
1. Apply for a loan from the bank.
The borrower applies for a loan from the bank, stating the amount, term and purpose of the loan.
2. Submit loan application materials to the bank.
The borrower submits the house ownership certificate, the identity card of the owner and spouse, the household registration book, the proof of marital status and other relevant documents to the bank for review. If the borrower uses other people's property for mortgage loan, the borrower and the owner need to go to the bank for written procedures.
3. The bank will evaluate the value of the house.
The evaluation of real estate value is generally completed by an evaluation company that cooperates with banks. Houses in urban areas can be completed on the same day at the earliest, and the completion time is directly proportional to the distance between houses.
4. Bank approval
After the borrower submits relevant documents and certificates and completes the house value appraisal, the bank will recognize it. The content of examination and approval is simply divided into housing value, liquidity, borrower's income, assets, debt ratio and so on. If the bank thinks that the risk of lending to this borrower is low, it will approve the loan and proceed to the next step; On the contrary, he refused to lend money to the man.
5. Notarized loan contract
After the loan is approved, the borrower needs to fill in the loan contract and other relevant documents, and sign them by hand, which will be notarized by a notary; If the borrower mortgages the loan with someone else's house, the owner also needs to be present.
6. Banks shall go through mortgage registration procedures.
These steps are mainly completed by banks. After signing the loan contract, the bank will go through the mortgage registration formalities at the property right office with the real estate license and notarized loan contract. This step is relatively complicated and takes a long time, which is also the key to affect the lending speed.
7. Bank loans
Here, the borrower only needs to open a repayment account and wait for the loan.