The process of housing mortgage loan is: 1. The borrower prepares ID card, household registration book, marriage certificate, real estate license, house purchase contract and other materials to apply to the bank; 2. The bank evaluates the real estate, and the loan amount of the bank varies according to the value of the house; 3. The bank checks the borrower's qualification and personal credit status; 4. After the loan is approved, the borrower shall go to the local real estate management department at or above the county level for mortgage registration with the bank salesman; 5. After the above procedures and processes are completed, the bank will lend money to the borrower. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
How to apply for mortgage loan?
The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. 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. 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. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.
How to operate the real estate mortgage loan?
With the continuous development of social economy, more and more people are ready to start their own businesses. It is good to have your own ideas, but starting a business often requires start-up funds. In the course of operation, it is inevitable that there will be insufficient cash flow. Many borrowers have consulted, how to operate the real estate mortgage loan? Share the conditions and process of mortgage loan.
How to operate the mortgage loan?
Strictly speaking, operating mortgage loan is a kind of loan with special price comparison. If the borrower wants to use the house as collateral, the term generally cannot exceed the service life of the house.
For properties that have not reached their useful life, 60% of the property value can generally be borrowed. If it is a property that has been used for more than 20 years and less than 30 years, it can generally be loaned to 40%~50% of the property value. As for the property with a service life of more than 30 years and less than 40 years, generally only 30%~40% of the property value can be loaned.
1. Real estate mortgage loan conditions
Mortgage business loans are more about collateral requirements: the term of the house is required to be within 20 years; The housing area should be more than 50 square meters; The house should have strong liquidity; Generally, "borrower's age" means that men are not over 65 years old and women are not over 60 years old; Borrowers can't have bad credit records in their credit investigation.
2. Real estate mortgage loan process
First, the borrower needs to open a current deposit account in the bank, then prepare the loan-related materials and submit a loan application to the bank. After the bank agrees to approve the loan, there will be a face-to-face signing. Then the bank carries out the second examination and approval, informs the borrower of the examination and approval result, and signs a loan contract with the borrower.
The borrower also needs to go to the Construction Committee for mortgage registration and get his right certificate. After that, handle insurance, notarization and other procedures as appropriate.
3. Real estate mortgage interest rate
Bank mortgage loans are divided into self-owned real estate loans and mortgage real estate loans. The interest rates of the two kinds of loans are different, and the interest rate of mortgage real estate loans is usually higher than that of self-owned real estate loans. However, it is clearly stipulated that "the loan interest rate is usually 10% higher than the benchmark interest rate of the central bank in the same period".
How to borrow personal mortgage loan
Personal mortgage loan process is as follows:
1. When applying for a loan from a bank, the borrower shall specify the purpose, amount and term of the loan;
2. Waiting for the audit of the bank. After the data is approved, the bank will conduct on-the-spot investigation and evaluation of the property. Finalize the loan amount;
3 to apply for a loan, the bank approved the loan amount;
4. The loan contract is fair;
5. Go through the mortgage registration formalities. The bank shall go through the mortgage registration formalities at the property right office with the house ownership certificate and notarized loan contract;
6. Wait for a loan.
To apply for a mortgage loan, you need to meet the following conditions:
1. The borrower must be at least 18 years old and have full capacity for civil conduct, and the actual age plus the loan period cannot exceed 65 years old; Having a fixed residence and permanent residence in the town; Have a proper job and a stable source of income, and be able to repay the loan principal and interest on time; Personal credit information is good and there is no bad credit record.
2. The property right of the house mortgaged by the borrower is clear, which meets the conditions for listing and trading, and can enter the real estate market for trading; Mortgaged houses are not included in the urban transformation plan, and there are real estate licenses and land certificates; If the house age is less than 30 years, the sum of the house age and the loan term shall not exceed 40 years.
Legal basis: Article 402 of the Civil Code of People's Republic of China (PRC).
Where the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 is mortgaged, the mortgage registration shall be handled. The mortgage is established at the time of registration. Article 403 Where a chattel is mortgaged, the mortgage right shall be established when the mortgage contract comes into effect; Without registration, you may not be able to fight well-intentioned third parties.
How to borrow a house mortgage loan?
1, go directly to the bank. Meet the following conditions:
A. The house needs to meet the requirements of the bank: under normal circumstances, the bank accepts the real estate with clear property rights within 20 years and can be listed and traded.
B. Credit compliance: The account manager of this bank will help you check your credit status. If the credit is too bad, the bank will not accept it.
C. the repayment ability of the homeowner: you have collateral, but you also have the repayment ability. That is, to have a stable income. For example, if you make a loan with a term of 10 years, the monthly repayment is about 12000. You should have enough ability to repay the monthly payment and ensure your own life.
2. Entrust the guarantee company to handle it. The process and conditions are basically the same as those of banks, except that the procedures are run by guarantee companies. Guarantee companies have long-term cooperation with banks, so they have more advantages than individuals in terms of interest rates, processing speed and lending. Of course, customers have to bear a certain service fee.
The basic process is as follows: signing a loan contract-housing evaluation-loan approval-mortgage registration of the Construction Committee-lending.
Time: generally, it takes about 1 month.
Conditions for applying for real estate mortgage loan:
1. The applicant is over 18 years old.
2. Have a stable job and income and good personal credit;
3. Other conditions stipulated by the applicant bank.
4. Generally speaking, the age of the house should not be too high (few banks generally accept it for more than 20 years).
5. It is generally required that the property cannot be mortgaged (or even if the mortgage loan has not been repaid), and the loan cannot be released unless the last loan can be repaid.
Extended data:
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.
This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans in housing loans issued to individual residents.