Step 1: Submit the required documents.
1, real estate license or house ownership certificate, land use right certificate;
2. ID cards, household registration books and marriage certificates of both husband and wife of the borrower (singles need to be issued by the local civil affairs bureau);
3. Proof of income (official seal required).
The second step is to evaluate the house. Evaluate according to the location, floor, area and orientation of the collateral. Houses can generally be loaned to 50-90% of the assessed price.
Step 3: Sign the contract in person at the bank. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval.
The fourth step is mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower.
The fifth step is to lend money. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.
Second, what information is needed for real estate mortgage?
1, real estate license;
2. Identity cards of the obligee and his spouse;
3. Household register of the obligee and spouse;
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income;
6. If the owner of the real estate license has minor children, please provide a birth certificate;
7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;
8. In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).
Third, the scope of real estate mortgage
1, real estate. Real estate refers to the house with ownership or management right obtained by the mortgagor according to law and the land use right within its occupation scope. As real estate, real estate is inseparable, and real estate must include the land use right within the occupied area of the house. Real estate is the most common kind of real estate collateral, and most real estate mortgages use real estate as collateral.
2. Land use right. Land use right is a kind of property right, which refers to the right of civil subjects to possess, use and benefit state-owned or collective-owned land. Land use rights are divided into the following four categories: urban state-owned land use rights, farmers' collective land use rights, state-owned agricultural land use rights and collective agricultural land use rights. Not all land use rights can be mortgaged. The range of land use rights that can be mortgaged is as follows:
(1) The land use right obtained by allocation, that is, the construction land use right of urban state-owned land can be mortgaged;
(2) The land use right of barren hills, gullies, barren waters, barren beaches and other wasteland contracted by the mortgagor according to law and mortgaged with the consent of the employer;
(three) the right to use collectively owned land occupied by buildings such as factories of township enterprises.
3. Construction in progress. Construction in progress refers to the comprehensive property composed of land use rights legally obtained by real estate development enterprises and assets invested in construction in progress. The mortgage of construction in progress must be legally transferable construction in progress, because only transferable construction in progress can realize its value through transfer, thus ensuring the realization of mortgage right.
4. Pre-purchased unfinished commercial housing for which part or all of the house price has been paid.