What should I pay attention to in mortgage consultation?
1, real estate mortgage, mortgage parties shall sign a written mortgage contract;
2. After the real estate mortgage, it must be registered with the real estate management department;
3. After the real estate is mortgaged, the mortgagor's right to dispose of the real estate will be limited to a certain extent by the mortgagee;
4. After the real estate is mortgaged, the mortgagee has the priority to be repaid when the creditor's rights are not paid off;
5. When real estate is mortgaged by * * *, the mortgagor shall obtain the written consent of other * * * owners in advance;
6. If the leased real estate is mortgaged, the mortgagor shall inform the mortgagee of the lease and the lessee of the mortgage.
What is the procedure of second mortgage?
1, through the bank.
First, you need to submit two mortgage applications to the loan bank. You can only go through the secondary mortgage formalities after the bank agrees. After the application is approved, you need to submit the information needed for the loan to the bank, and the bank will review your information and tell you the result after the review. After approval, it is necessary to sign a second mortgage contract with the bank and go through the notarization procedures of the loan contract. After the formalities are completed, the bank will lend you money on the specified date.
2, through private lending institutions.
With the consent of the bank, the lending institution will know your personal information, see if you meet the requirements of the second mortgage, and know the basic information of the house. Lending institutions will conduct on-the-spot inspections of houses to check their location, facilities, environment and area, and see if they have the value of secondary mortgage.
After the inspection, the lending institution will discuss with you the second mortgage scheme of the real estate, and specifically determine the loan amount, term, interest rate and service fee of the second mortgage of the real estate. After consultation, both parties can sign a loan contract with private secondary mortgage. After the contract is signed, the staff of the lending institution will accompany you to the Housing Authority for the second mortgage registration. Don't forget to prepare relevant materials.
After completing the second mortgage registration, you need to go to the Housing Authority to get his right certificate and hand over the real estate license to the intermediary for safekeeping. After the formalities are completed, the lending institution will issue the loan to you on the agreed date.
The article is the information that Bian Xiao brought to you about the matters needing attention in mortgage housing consultation and the second mortgage procedure of the house, hoping to give you some enlightenment. Warm reminder: Real estate mortgage must have a formal and detailed contract. After the mortgage, you need to register with the real estate administration.