How to go through the mortgage procedures, how to go through the mortgage procedures

1.Submissions;

2.Housing trading floor acceptance materials;

3.10 working days to collect the certificate.

1. Application for mortgage registration: The step of real estate mortgage registration is to apply to the registration authority first, and then the applicant needs to fill in the mortgage registration application. 2. Accept the application

The registration authority examines whether the documents submitted by the applicant are true and complete, and if the application documents do not meet the requirements, it will not be accepted, and if the documents meet the requirements, it will be accepted, and will give the application a number and give a receipt, which indicates the documents received, the date of acceptance and the number. 3. Conduct review: The registration authority shall ascertain the status of the real estate rights applied for transfer registration from the real estate register, review whether the relevant documents are true, complete and valid, and if the audit meets the requirements, it shall be approved and registered, and the mortgage party shall be notified.

4. Registration: After the applicant's mortgage registration is approved, the registration authority will affix a special mortgage seal to the real estate right certificate and make a mortgage record in the real estate register. The mortgage record includes the mortgagor, the mortgagee, the name, area, value, mortgage amount and mortgage term of the mortgage.

5. Fee issuance: The registration authority will return the real estate right certificate stamped with the special seal of real estate mortgage to the mortgage party within the specified time, and the mortgage party will collect it with the receipt, identity certificate and payment voucher. A certain fee is required for mortgage registration, and the collection standard shall be implemented in accordance with the relevant provisions of the state or locality.

6. File filing: The registration authority will establish a file for land and housing registration in accordance with the regulations. Legal basis:

Article 394 of the Civil Code of the People's Republic of China Where the debtor or a third party mortgages the property to the creditor without transferring the possession of the property in order to guarantee the performance of the debt, the debtor fails to perform the due debt or the mortgage rights are realized 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 mortgagor, the creditor is the mortgagee, and the property provided for by the guarantee is the mortgaged property. Article 395:The following property that the debtor or a third party has the right to dispose of may be mortgaged:

1) Buildings and other land attachments; (B) the right to use construction land; (3) the right to use maritime space; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships, and aircraft under construction; (6) means of transportation; (7) Other property that is not prohibited by laws or administrative regulations from being mortgaged. The mortgagor may mortgage the property listed in the preceding paragraph. Article 400 To establish a mortgage right, the parties shall conclude a mortgage contract in written form.

The mortgage contract generally includes the following clauses: (1) the type and amount of the secured claim; (2) the time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) Scope of guarantee. Article 419:The mortgagee shall exercise the mortgage right within the limitation period for the principal creditor's right; and where it is not exercised, the people's courts will not protect it.

The mortgage process.

1. Loan application The borrower proposes the purpose of the loan, the amount and the term of the loan.

2. Prepare loan materials.

3. Appraisal of the house The relevant institutions shall conduct on-site investigation and evaluation (survey) of the mortgaged house.

4. Loan approval Submit all loan application materials together with the appraisal report or survey opinion to the bank for approval.

5. Notarization of loan contract.

6. Mortgage registration procedures.

7. Bank loans.

What does the collateral consist of and what is the appraised value?

Collateral includes: residences, apartments, office buildings, villas, shops.

Of course, what we care about most is the appraised value of the collateral.

Residences and villas can be done with an appraised value of about 7-9 percent.

Apartments, office buildings, and shops can be about 5% of the appraised value.

If the credit is good, the income is stable, and the repayment is clear, the amount will be higher.

At present, the interest of the mortgage loan is annualized, equal principal and interest, interest first and principal later, with a maximum of 10 million yuan for a single loan and a term of 10-30 years, and customers can choose the loan term according to their actual situation.

Application conditions: 1. Individuals or business owners are acceptable.

2. The property is in Chongqing.

3. Be at least 18 years old and only 70 years old.

4. Good credit information.

5. There is repayment**.

The above is the process and interest rate of bank mortgage processing.

One is to apply for a mortgage loan privately, which is quite simple, as long as the credit is good and the repayment is clear, you can pay on the same day. The amount of 30-3 million interest is negotiable, the term is 1 month to 1 year, the interest is first and the principal is later, and the operation is flexible.

In addition, we handle various bank loans, second mortgage loans, decoration loans, personal credit loans, corporate credit loans, bridges, flush loans and other products.

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Meeting is fate.

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Mortgage Procedures: 1. The applicant first confirms that the house has not been registered as a mortgage. 2. The applicant submits an application for a mortgage loan to the relevant registration department of the bank.

3. The applicant submits the required information to the bank. Fourth, the bank reviews the information, and after passing the qualification, appoints an appraisal company to evaluate the house and determine the amount of the loan. 5. The bank shall check the original ID card, household registration booklet, and marriage certificate.

6. The original list of the houses that have been sold and transferred for registration as determined by the mortgage party (real estate development project). Article 400 of the Civil Code stipulates that in order to establish a mortgage right, the parties shall enter into a mortgage contract in written form. Mortgage contracts generally include the following clauses:

1) the type and amount of the secured claim; (2) the time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) Scope of guarantee. The right holder shall have the right to receive preferential compensation at the discount of the property or the price of the auction or sale of the property in accordance with this law. The debtor or a third party provided for in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided for security is the collateral.

1.Submissions;

2.Housing trading floor acceptance materials;

3.10 working days to collect the certificate.

The procedures and materials for handling the mortgage are as follows:The process of real estate mortgage registration is as follows:

1. Submit a loan application to the bank.

2. Submit loan information.

3. Property appraisal, the bank conducts on-site investigation and appraisal of the mortgaged house.

4. Apply for approval of loans.

5. Sign the loan contract.

6. Mortgage registration procedures.

7. Bank loans.

The materials for real estate mortgage registration are as follows:

1. Application for real estate mortgage registration.

2. The identity certificate or legal personality certificate of the mortgage party.

3. Mortgage contract.

4. State-owned Land Use Certificate, Housing Ownership Certificate or Real Estate Certificate.

5. Documents and supporting materials that can prove that the mortgagor has the right to create a mortgage.

6. Information that can prove the value of the mortgaged real estate.

7. Other documents deemed necessary by the registration authority.

Housing mortgage registration procedures: 1. Apply for mortgage registration at the real estate registration center, and submit the real estate registration application, the identity certificate of the parties, the main creditor's rights contract and the real estate mortgage contract guaranteed by the real estate ownership certificate. 2. Accept the application3. Review the status of real estate rights and submit materials for mortgage registration; 4. Registration; 5. Charge for the issuance of certificates.

Legal basis: Article 397 of the Civil Code of the People's Republic of China Where a building is mortgaged, the right to use the construction land within the scope occupied by the building shall be mortgaged together. If the right to use the land for construction is mortgaged, the buildings on the land shall be mortgaged together.

Where the mortgagor does not mortgage together in accordance with the provisions of the preceding paragraph, the property that has not been mortgaged shall be deemed to be mortgaged together.

The process of housing mortgage registration is as follows:

1. Apply for mortgage registration at the real estate registration center, and submit the real estate registration application, the identity certificate of the parties, the real estate right certificate and the main creditor's rights contract and the real estate mortgage contract.

2. Accept the application

3. Review the status of real estate rights and submit materials for mortgage registration;

4. Registration; 5. Charge for the issuance of certificates.

The creation, alteration, transfer and extinction of immovable property rights shall take effect upon registration in accordance with law; Without registration, it shall not take effect, unless otherwise provided by law. The ownership of natural resources that belong to the State in accordance with the law may not be registered.

So what kind of property can't be mortgaged? The following properties may not be mortgaged:

a) land ownership;

2) The right to use collectively owned land such as homesteads, self-reserved land, and self-maintained mountains, except where the law provides that it may be mortgaged;

3) Educational facilities, medical and health facilities, and other public welfare facilities established by non-profit legal persons for public welfare purposes, such as schools, kindergartens, and medical institutions;

4) Property whose ownership or right to use is unclear or disputed;

5) Assets that have been sealed, seized, or supervised in accordance with law;

6) Other property that laws and administrative regulations provide must not be mortgaged.

Article 209 of the Civil Code.

The creation, alteration, transfer and extinction of immovable property rights shall take effect upon registration in accordance with law; Without registration, it shall not take effect, unless otherwise provided by law. The ownership of natural resources that belong to the State in accordance with the law may not be registered.

Article 399:The following property shall not be mortgaged:

a) land ownership;

2) The right to use collectively owned land such as homesteads, self-reserved land, and self-maintained mountains, except where the law provides that it may be mortgaged;

3) Educational facilities, medical and health facilities, and other public welfare facilities established for public welfare purposes by schools, kindergartens, medical institutions, and other non-for-profit legal persons;

4) Property whose ownership or right to use is unclear or disputed;

5) Assets that have been sealed or seized in accordance with law;

6) Other property that laws and administrative regulations provide must not be mortgaged.