1. Know the loan demand. Before you apply for a real estate mortgage loan, you need to know your loan demand, including loan amount, loan term, loan interest rate and repayment method. This will help you choose the loan type that suits you, understand your affordability, and be more confident in negotiating with banks and financial institutions when handling loans.
In Jiayuguan's financial market, many banks or other financial institutions provide real estate mortgage services. When choosing an institution, we need to consider the credibility of the institution, interest rate level, loan amount, repayment method and credit evaluation factors. For those who apply for a loan for the first time, it is recommended to choose a bank or financial institution with good reputation, good service attitude and simple procedures.
3. After selecting a lending institution, you need to submit a loan application to the institution and submit the relevant materials of the property right certificate to the institution. The institution will evaluate the applicant's credit, and the evaluation results will affect the interest rate and loan amount of the loan.
4. Financial institutions will review and approve loan applications and evaluate the credit status, liabilities and assets of lenders. If the application is approved, the loan will be granted to the lender.
5. If the loan application is approved, the lender will deliver the loan to the lender and sign the relevant loan agreement. At the same time, the lending institution will also assist the lender to register the mortgage, register the mortgage property right with the Land and Real Estate Administration, and handle the relevant mortgage procedures within the bank.