Buying a house, the house has a mortgage, how to operate

The child has already applied for a mortgage once and is still repaying, and making a mortgage again is called a second mortgage.

Prerequisites apply.

The title deed has been processed.

There is still a residual value of the property minus the previous mortgage amount. If the previous mortgage amount is much smaller than the value of the property, for example, the property value is 1 million, and only the mortgage is 100,000, then there is still more than 900,000 value.

The second mortgage can only use the residual value as the collateral value, and the general bank loan will be discounted, such as a 6% discount. You can only mortgage 90 times 540,000.

If you make a second mortgage, it is better to make an additional mortgage with the same bank.

How to handle unsecured loans from Tianjin Bank.

How to (Consultation**) Handle (150) Tianjin Unsecured (0221) Loan I believe it is very (8264) A large part of people with loan needs want to understand together. Compared to other loans, unsecured loans are relatively easy to process.

How do I apply for an unsecured loan? Let's take a look at the specific application process:

1. Provide personal identity information, including ID card, household registration booklet, marriage certificate and other information for married people;

2. Have real estate: 16%-20% of the total value of the real estate can be loaned

3. Housing loans, mortgaged loans, and bank mortgage loans: Housing loans in Tianjin can be applied for for more than half a year.

4. Car loan: Tianjin can apply for car loan repayment for more than one year.

5. Social security and provident fund: you can apply for more than one year of continuous savings.

6. Have a commercial insurance policy: you can apply for 4 installments after 3 years.

7. Loan amount: up to 1 million.

If you meet any of the above requirements, you can apply).

Then go to the bank to find the corresponding department, fill in a certain ** according to the specific requirements of each bank, as well as the application form, and sign a certain loan agreement with the bank after obtaining the consent of the bank.

The procedures for real estate mortgage are: the mortgagor first starts with a mortgage registration form on the Internet and fills in the content truthfully according to the requirements; Then go to the housing authority to handle the mortgage registration and some related materials, including the old lead and the real estate certificate and other materials; Bring these materials to the bank to sign the mortgage contract, and go through a series of mortgage procedures, you can go through the real estate mortgage procedures.

[Legal basis].Article 11 of the Interim Measures for the Administration of Personal Loans.

A personal loan application should meet the following conditions:

1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or a foreign natural person who complies with the relevant provisions of the State;

2) The purpose of the loan is clear and legitimate;

3) The amount, term and currency of the loan application are reasonable;

4) The borrower has the willingness and ability to repay;

5) The borrower has a good credit status and no major bad credit records;

6) Other conditions required by the lender.

Now the mortgage loan is generally 7% of the guide price, the guide price is subject to the ** announcement, assuming that the guide price of a house is 4 million, then the loanable amount is 40070% = 2.8 million, but this is not his amount, if the mortgage still has the final payment, then it is necessary to subtract the early final payment of Tongla, if the house of 4 million still owes 1 million, which is the actual loanable amount of the customer is 280-100 = 1.8 million.

The term of the mortgage is mostly 1-10 years, so you need to choose according to your own situation. Secondly, mortgage loans are divided into business loans and consumer loans (office workers do not have a company), consumer loans, as the name suggests, this loan is used for consumption, can be renovated, buy appliances and so on. Most banks have a consumer loan of 1 million, and some banks can accept an application amount of up to 2 million for both husband and wife!

Mortgage business loan can only be operated by a company! Depending on the bank's policy, the loan limit ranges from a few million to tens of millions! Relatively speaking, there are few consumer loan products, high interest rate, and low amount, so try to give priority to business loans.

Mortgage application process

1.Bank interview;

Find the corresponding bank according to your needs, and go directly to the corresponding bank to apply;

2.Appraisal Company Valuation

After all the materials are submitted, the bank will arrange a professional appraisal agency to evaluate the property, which is divided into online and offline, which is different for different banks.

3.Approval + issuance of approval letter

The bank will give the borrower a certain amount based on the borrower's credit information, flow, liabilities, property value, appraisal report and other comprehensive factors, and issue an approval letter.

4.Ransom the finch and notarize

Sign a redemption agreement with a third-party guarantee company, and go to the notary office for notarization, it normally takes half a day, Shenzhen is 5-6 per day, generally about 10 days, and the redemption fee is generally settled in accordance with 10 days, and the notary office will also have a miscellaneous fee of 930 yuan.

5.The Land Bureau handles the mortgage

After the bank receives the foreclosure money, it will give you the real estate certificate, and then make an appointment to go to the land bureau to go through the mortgage procedures for the real estate certificate.

6.Loans are issued

After the bank receives the mortgage information, it will issue the loan to your designated collection, and then the guarantee company will deduct their foreclosure money, and you can use the rest, but you must also comply with the bank's post-loan management method.

A simple look at this process is 1 minute time, but the entire operation process basically takes 10-15 days to complete, which requires more time for customers, and there are many common banks, whether they can not only meet their own requirements, but also get the lowest interest, so it is really not easy to get a loan.

The mortgage contract shall be concluded in writing for the mortgaged house, and the mortgage shall be registered for mortgage with real estate, and the mortgage right shall be established when the mortgage is registered. The property to be mortgaged should also fall within the scope of property that can be mortgaged by law.

Article 402 of the Civil Code of the People's Republic of China Where the property provided for in items 1 to 3 of the first paragraph of Article 395 of this Law is mortgaged or the building under construction as provided for in item 5 of this Law shall be registered. The mortgage is created at the time of registration. Article 394 of the Civil Code of the People's Republic of China: Where the debtor or a third party does not transfer possession of the property in order to guarantee the performance of the debt, but pledges the property to the creditor, the debtor fails to perform the due debt or the creditor has the right to realize the mortgage as agreed by the parties, and the creditor has the right to be repaid in priority for the property.

The debtor or third party provided for in the preceding paragraph is the mortgagee, the creditor is the mortgagee, and the property provided for by the guarantee is the mortgaged property.

How to dismantle the balance of the mortgage loan before the house arrives?

First of all, it is necessary to clarify what the purpose of the loan is, such as production and operation, house purchase, consumption, decoration, car purchase, etc., and then apply to the bank.

Secondly, it is necessary to provide the counterpart according to the purpose of the loan.

Finally, it is necessary to communicate face-to-face with the bank's credit account manager to finalize the details such as the interest rate and term of the loan, and at the same time sign the paper materials before going through the mortgage registration process.

1. The lender submits the housing loan application to the bank: explain the reason for the loan and the amount of the loan status;

3. Bank evaluation: the bank's first customs personnel will review and evaluate the house and other supporting materials;

4. Sign the contract: the bank will review the information, and the borrower can sign the loan contract and other documents with the bank after passing it;

5. Mortgage procedures: After the various contracts are confirmed and signed, you can guess that you can go through the mortgage registration procedures;

6. Loan to account: The bank remits the loan amount to the borrower's account, that is, the loan is completed.

Lenders can make loans through banking institutions, usually Suishuchun banking institutions will conduct a certain investigation of the lender's credit situation, if there is no good credit record, it is usually impossible to pass the review, and it will not be able to obtain a loan. At the same time, lenders can also borrow through other lending institutions, and the requirements of various lending institutions for lenders will be different, the amount of funds that can be borrowed will also be different, and the interest rate will be different. In addition, you can also take out online loans, which will often have certain risks.

In short, no matter how you make a loan, you must choose a formal and legal institution to handle it.