How to apply for a mortgage loan for a mortgaged house?

At present, there are many ways of social loans. For ordinary people, you can choose provident fund loans, ordinary loans, mortgage loans and so on. We may not be familiar with mortgage loans.

I. Mortgaged houses

First of all, we should know that the mortgage house is a kind of commercial housing with outstanding previous mortgage. The main feature of mortgage house is that the property right of the house is mortgaged to the property owner of the bank, and it is forbidden to sell the own house without authorization. Another feature of mortgage house is to mortgage the property right of the house to the property owner of the bank for investment or financing realization. More and more buyers need to pay the mortgaged houses in advance in the second-hand housing transactions. Mortgages are mainly divided into legal mortgages and legal mortgages. Legal mortgage is to transfer the existing property to the mortgagor as repayment guarantee, while the industry is to mortgage the future.

Two. Mortgage loan, also known as mortgage loan, is a loan method adopted by some national banks. It requires the borrower to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan when it expires. General collateral is easy to keep, not easy to wear and tear, and easy to sell. For example, after the loan of some correct bills, stocks and real estate expires, if the borrower fails to repay on time, the bank has the right to auction the collateral with the auction proceeds. The balance of the loan will be returned to the borrower as auction money to repay the loan. If the auction money is not enough to repay the corresponding loan, the borrower still needs to repay it.

3. How to make a mortgage loan for a mortgage house can be well explained as long as you understand the mortgage house and mortgage loan. When a borrower applies for a mortgage loan, he must first apply for the corresponding property right certificate, which is one of the primary certificates of the mortgaged house, and then hand over his property right certificate, identity information and photos to the corresponding bank as a loan. If the bank feels that these materials are complete and there is no problem, it can sign up for registration and obtain the corresponding warrants before lending. /f 7246 b 600 c 338744835 fc 8 184 10 FD 9 F9 d 72 aa 038？ x-BCE-process = image % 2f resize % 2Cm _ lfit % 2Cw _ 600% 2Ch _ 800% 2c limit _ 1% 2f quality % 2Cq _ 85% 2f format % 2Cf _ auto