Housing mortgage loan application materials:
1. Property Ownership Certificate
2. Identity cards of the obligee and his spouse
3. Household register of the obligee and spouse
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
5. Proof of income
6. If the property owner has minor children, please provide birth certificate.
7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
8. In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). )
Process of handling real estate mortgage loan:
1, initiate a loan application.
2. Prepare loan information
3. House evaluation
After submitting the above materials, the bank shall conduct on-the-spot investigation and evaluation of the mortgaged property according to the submitted materials. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.
Step 4 apply for a loan
Submit all loan review materials and evaluation reports or investigation opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information. If anything is omitted, it will affect the loan progress.
5. Notarization of loan contract
The borrower-level mortgagor fills in the loan contract and all relevant documents, signs them, and notarizes them by the notary.
6. Mortgage registration procedures
The bank goes to Chaquan for mortgage registration with the house ownership certificate and notarized loan contract.
Note: Real estate mortgage loan shall meet the following conditions:
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
3. Have a good credit record and willingness to repay;
4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;
6. Can provide legal, effective and reliable house mortgage recognized by the bank;
7. Other conditions stipulated by the bank.