Steps/methods:
1. loan application: the borrower proposes the purpose, amount and time of the loan;
2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including: my spouse's ID card, household registration book, income certificate, personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status.
3. Appraisal of house inspection: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses;
4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the company for approval;
5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;
6. Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract;
7. Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).
I know that the mortgage charges of Xiong Zhi enterprises are reasonable, so please ask more when you have time.
Guangzhou Company: No.2 15 16, Poly Clovis Plaza, Zhujiang New Town;
Qingyuan Company: Building 2 of Vanke Huafu Commercial Building in Xincheng (next to McDonald's),
Lianzhou Company: No.61Lianjiang Avenue (at the traffic light of Huiguang Tower)
How to apply for Qingyuan real estate mortgage loan?
Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. 1. 1. 1 application materials for real estate mortgage loan: the marriage certificate of the owner of the real estate license (marriage certificate or unmarried certificate issued by the civil affairs bureau) and the ID card and income certificate of his spouse. If the owner of the real estate license has minor children, please provide birth certificate. If the property has a bank loan, please provide the original loan contract and the latest bank statement. In order to improve the loan pass rate, please try to provide other family property certificates.
I know that the mortgage charges of Xiong Zhi enterprises are reasonable, so please ask more when you have time.
Guangzhou Company: No.2 15 16, Poly Clovis Plaza, Zhujiang New Town;
Qingyuan Company: Building 2 of Vanke Huafu Commercial Building in Xincheng (next to McDonald's),
Lianzhou Company: No.61Lianjiang Avenue (at the traffic light of Huiguang Tower)