Yes, the basic process of mortgage loan is as follows:

1. On-site house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the houses applying for mortgage loans to conduct on-site house inspection;

2. Verification of property rights: the property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority to submit the original ID card and the original household registration book for verification and go through relevant procedures;

3. Signing: The bank carefully checks and verifies the original information of customers, identifies the authenticity of all the signatories, supervises the signature of customers, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle the account in the bank;

4, fill in the contract, the bank according to the relevant information provided by the customer, fill in the contract;

5. Payment obligation: the bank will notify the customer to pay the fee after passing the pre-trial;

6. Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank;

7. Bank loans.

Data expansion:

Mortgage housing loan actually refers to the variety of commercial housing that customers already have that can be listed and circulated with mortgage bank loans. Unlike second-hand housing loans and first-hand housing loans, customers already own real estate, not about to own it. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations. Housing mortgage loan application materials:

1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)

2. Identity cards of the obligee and his spouse

3, the holder and spouse's household registration book

4. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )

5. If the property owner has minor children, please provide birth certificate.

6. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.

7. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).

Source: Baidu Encyclopedia Housing Mortgage Loan

When buying a second-hand house, should I mortgage the original real estate license in the bank when lending?

After the second-hand housing loan, the real estate license should be mortgaged in the bank. If you buy a second-hand house through a commercial loan, then you apply for a house purchase loan, and the real estate license is mortgaged to the bank. After you repay the loan, go through the formalities of clearing the mortgage, and then cancel the mortgage, and you can get the real estate license.

Before the loan is paid off, the registered real estate has been recorded in the real estate file, and it is not allowed to buy or sell. There is no need for the bank to require the lender to mortgage the real estate license to the bank.

Housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan.

First, the risk of mortgage of real estate license

1, loan purpose

Many people want to know what risks there are in using loans. In fact, with the tightening of credit policy, banks have certain restrictions on the use of real estate licenses for mortgage loans.

Generally limited to personal consumption and business scope. Banks explicitly prohibit high-risk investment behaviors such as stocks, securities and futures spot. Therefore, the loan funds should be used correctly.

Step 2 repay

Mortgage loan with real estate license is a product with large financing amount and long repayment period. Therefore, before handling it, you need to make a self-examination of your economic situation for a long time to come.

Make sure you have the ability to repay the loan. Because in the case of unreasonable loan repayment, the bank has the right to go through legal procedures and auction your mortgaged property, and the proceeds will be used to repay the loan principal and interest first.

3. Loan channels.

Safety is to find a bank. After all, the source of funds is safe. If you are looking for a private lending institution, you need to pay attention to whether the institution is legal and compliant. Never pay any fees before you get the loan to avoid being cheated.

Second, can I get a loan if I buy a second-hand house without a real estate license?

Second-hand houses without real estate licenses cannot be loaned. Because there is no collateral in the bank, the bank can't lend money.

The specific process of buying and selling second-hand houses:

1. Generally, all expenses incurred by the buyer and the seller shall be paid by the buyer, such as the buyer's house inspection, the preliminary negotiated price between the buyer and the seller, the payment method, the delivery date, etc.

2. The buyer and the seller shall check the archives with the original real estate license or the original mortgage contract price at the land department of the archives building;

3. After the buyer and the seller negotiate the house price, down payment, fund supervision, loan application time, foreclosure fee, transfer application time, tax payment method, delivery date, tenant situation, commission payment time and proportion, and liability for breach of contract, the buyer and the seller sign a tripartite contract with the intermediary or sign a contract with the intermediary, write the above contents into the contract, and pay the down payment to the intermediary company;

When buying a second-hand house, do you want to mortgage the original property certificate in the bank when lending?

Different regions have different banking regulations. Some banks will require the lender to put the title certificate in the bank and only give a copy; Some will return the title certificate to you after handling other matters; Even if the bank impounds the real estate license, it can apply to the bank to borrow the real estate license, but the borrowing has time requirements and must be returned before the expiration.

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 when granting housing loans to individual residents.

Housing mortgage loan? Baidu baike

Commercial loans to buy second-hand housing, real estate license need to be mortgaged in the bank?

Of course, mortgage to the bank. Banks will require real estate mortgage registration at the real estate registration center where the house is located. The real estate registration center will issue a real estate registration certificate for the bank according to the application of both parties, which is the so-called house ownership certificate. It is equivalent to restricting the mortgage right of the house in the real estate registration system. Without the consent of the bank, the owner can't sell the house outside the bank.

As for the original property ownership certificate, some places may take it back and put it in the archives of the real estate registration center. Some local real estate registration centers may not accept it and let the banks behind them recover it. Others may not get the originals from banks and real estate registration centers, but put them in their own hands. In order to facilitate management, the real estate registration center will mark the mortgage information in the postscript column of the property certificate.

1. Valuation: According to the house book, the appraisal agency makes a valuation, and roughly calculates the amount, interest rate, service life, etc. You can get a loan. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.

2. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

3. Mortgage loan mainly refers to housing mortgage loan and vehicle mortgage loan, which will not be repeated here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc.