Submit application materials to the bank applying for mortgage loan: personal identity card, marriage certificate (marriage certificate and unmarried certificate are required), income certificate, loan use certificate, collateral certificate and collateral evaluation report. 2. Approval: The bank will review the materials submitted by people. 3.
Second, how to do Fuzhou real estate mortgage loan?
First of all, it depends on whether you pay in full or mortgage. The whole car can go to the bank, with good credit, stable income and stable residence. The car can't be too bad. Private financial companies are relatively simple, but the interest rate is high. It's your choice. If it is a mortgage car, it can be a bank credit and small loan company. There is also a private mortgage, which is called parking in Chongqing dialect, that is, parking in the other company, which is efficient and can be received immediately. If you must find a big company, you can rest assured: Devil 3068 374 2.
What about the secondary mortgage loan of Fuzhou Real Estate Bank?
Fuzhou Mortgage House handles two mortgages:
1. First of all, the borrower needs to submit a second mortgage application to the loan bank, and the bank can handle the second mortgage formalities only after it agrees. The loan bank here is the bank that applied for a loan before, because the same property cannot be mortgaged to different banks;
2. After the application is approved, the borrower needs to submit the information needed for the loan to the bank, which will review the borrower's information and inform the borrower of the results after the review;
3. After approval, it is necessary to sign a second mortgage contract with the bank and go through the notarization procedures for the loan contract;
After the formalities are completed, the bank will issue the loan to the borrower on the specified date.
A mortgaged house can be mortgaged twice. However, not all mortgage houses can apply for a second mortgage. The two calculation rules of mortgage amount for mortgaged houses are: mortgage rate of appraised value of houses _ balance of original loan principal. When the value of the second mortgaged house is greater than the loan amount, the second mortgage can be considered. However, when applying for two mortgage, borrowers need to pay attention to the following points:
1. If the borrower wants to apply for a second mortgage, he must obtain the property ownership certificate of the house.
2. Under normal circumstances, two mortgagor can apply for mortgage loan in the same loan bank.
3. The year of building construction and the housing area must meet the regional service life stipulated by the loan bank for secondary mortgage.
4. Fuzhou's regulations on mortgage transfer?
You can transfer ownership under pressure.
To trade the mortgaged property, generally, it can only be financed by the buyer or the seller, and then the seller goes to the bank to repay the loan and cancel the mortgage. After the house is transferred, the buyer can apply for a mortgage loan. This model takes a long time, complicated procedures, high cost and some risks.
Implement the "transfer with mortgage" mode, so that buyers and sellers can choose to put the repayment and mortgage cancellation link after the transaction registration link to smooth the transaction channels. In the specific handling, if the mortgaged property is to be listed and traded, the "mortgaged transfer" mode is selected, and it is not necessary to advance funds or cancel the mortgage first. After communicating with the bank, the buyer will transfer the house payment to a special supervision account. After the buyers and sellers register the house transaction normally, they will transfer the deposit to the seller, and the seller can use it to pay off the loan and cancel the mortgage after receiving the deposit. Compared with the previous model, "mortgage transfer" saves time and effort, reduces costs and greatly facilitates citizens to trade real estate.