How to handle Yantai real estate mortgage loan?
1, apply for real estate mortgage registration;
2. The applicant fills in the Application Form for Urban Real Estate Registration and submits the materials;
3. The applicant can withdraw the registration before the final judgment;
4. Handle the preliminary examination of real estate mortgage registration (1-2 working days);
5. The window receiver issues a receipt list and collects fees;
6. The recipient shall review the registration materials as required, enter the ownership registration information and sign the preliminary examination opinions;
7, when necessary, must also conduct on-site investigation;
8. Real estate mortgage registration review (1-2 working days);
9. The auditor shall review the registration materials as required, check the electronic data and sign the audit opinions. Do not meet the conditions, return, a one-time notice to fill. If it does not meet the requirements, it shall notify the applicant of the decision not to register or suspend the registration (within 7 days);
10, handle the final registration of real estate mortgage (1-2 working days), and the final examiner will review the registration materials as required, check the electronic data and sign the final opinion.
What should I pay attention to when handling Yantai real estate mortgage loan?
First, check the mortgage information about the house.
First of all, it is necessary to verify whether the mortgagor has legal property rights and has the right to establish mortgage rights. Because in some cases, the mortgagor does not own or fully own the mortgaged property, or the property has been mortgaged before. Then the mortgage he made may be invalid from the beginning. For example, although someone has been nominally using the property and claims to own the property, it is actually only the manager of the property or just one of the owners. So first, let the mortgagor show the house ownership certificate to show his rights.
Two, housing mortgage loans should sign a written contract. The main terms of the mortgage contract are as follows
1. Natural conditions of both parties;
2, the basic situation of the secured debt;
3. Detailed description and status of collateral;
4. Custody of collateral, liability for accidental losses, insurance and insurance during the existence of mortgage relationship;
5. Liability for breach of contract and dispute resolution;
6. Mortgage term;
7. Payment method of collateral, and so on.
Three, housing mortgage loans to real estate mortgage registration shall prevail.
Because the collateral has the special property of real estate, the mortgage loan should be registered with the housing management department with the house ownership certificate. Mortgage registration has three meanings: one is to confirm the rights of the mortgagee and protect his legitimate rights and interests; The second is to publicize the mortgage of real estate through the housing management department to protect the interests of others; Third, it limits the possibility of the mortgagor to dispose of the property during this period.
How to handle Yantai real estate mortgage loan after understanding? What should I pay attention to when handling Yantai real estate mortgage loan? When something goes wrong, I definitely know how to deal with it. It is certainly not difficult to apply for a housing loan. From the article, we can know that there are many procedures, and the precautions should be familiar to everyone. The whole thing needs everyone to take it very seriously, show enough patience and look at the details carefully.