How to handle the real estate mortgage procedures, how to handle the real estate mortgage procedures

The procedures for applying for a mortgage are as follows:

1. The mortgagor and the mortgagee sign a written house;

2. Both parties should bring the house ownership certificate and identity documents to the housing authority where the house is located to apply for mortgage registration.

Legal basis] Article 44 of the Security Law stipulates that the following documents or copies shall be provided to the registration department for the registration of mortgages: (1) the main contract and the mortgage contract; (2) The certificate of ownership or right to use the collateral.

1.Submissions;

2.Housing trading floor acceptance materials;

3.10 working days to collect the certificate.

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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What about a mortgage on a property? Three easy steps:

1. Provide application information to the bank; (1-2 working days) the information includes: ID card of the property owner and husband and wife, household registration book, marriage certificate, property certificate, credit information, business license, official seal, legal person seal, financial seal, purchase and sale contract, lease contract.

2. After the bank reviews and approves it, go to the bank to sign the mortgage loan contract; (3-10 working days) 3. Make an appointment with the real estate transaction center, go through the mortgage procedures, and then wait for the bank to lend; (3-7 business days).

1. Procedures for handling mortgage of housing: 1. The mortgagor and the mortgagee sign a written house; 2. Both parties should bring the house ownership certificate and identity documents to the housing authority where the house is located to apply for mortgage registration. 2. The following real estate can be mortgaged:

1) Houses and other above-ground fixtures owned by the mortgagor; (2) the right to use state-owned land, houses and other fixtures on the ground that the mortgagor has the right to dispose of in accordance with law; (3) The right to use barren hills, barren ditches, barren hills, barren beaches and other wastelands contracted by the mortgagor in accordance with the law and mortgaged with the consent of the contract issuer. Article 32 of the Measures for the Administration of Urban Real Estate Mortgages shall submit the following documents to the registration authority for verification of real estate mortgages: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) Application for mortgage registration; (iii) mortgage contract; (4) "State-owned Land Use Certificate", "Housing Ownership Certificate" or "Real Estate Ownership Certificate", and the "Housing Co-ownership Certificate" and other co-owners agree to mortgage must also be submitted for the jointly owned houses; (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.

1. Procedures for handling mortgage of housing: 1. The mortgagor and the mortgagee sign a written house; 2. Both parties should bring the house ownership certificate and identity documents to the housing authority where the house is located to apply for mortgage registration. 2. The following real estate can be mortgaged:

1) Houses and other above-ground fixtures owned by the mortgagor; (2) the right to use state-owned land, houses and other fixtures on the ground that the mortgagor has the right to dispose of in accordance with law; (3) The right to destroy lead on barren hills, barren ditches, barren hills, barren beaches and other wastelands contracted by the mortgagor in accordance with law and mortgaged with the consent of the contract issuer. Okiyo-dong.

Article 32 of the Measures for the Administration of Urban Real Estate Mortgages shall submit the following documents to the registration authority for verification of real estate mortgages: (1) the identity certificate or legal person qualification certificate of the mortgage party; (2) Application for mortgage registration; (iii) mortgage contract; (4) "State-owned Land Use Certificate", "Housing Ownership Certificate" or "Real Estate Ownership Certificate", and the "Housing Co-ownership Certificate" and other co-owners agree to mortgage must also be submitted for the jointly owned houses; (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.

1.Submissions;

2.Housing trading floor acceptance materials;

3.10 working days to collect the certificate.

If the following conditions are met, the housing mortgage procedures are valid: the parties have the corresponding civil capacity; A written mortgage contract has been concluded in accordance with the law; and that the house is the property of the debtor or a third party who has the right to dispose of it.

[Legal basis].Article 143 of the Civil Code.

Civil juristic acts that meet the following conditions are valid:

1) The actor has the corresponding civil capacity for nuclear conduct;

2) The meaning is genuine;

3) Do not violate the mandatory provisions of laws and administrative regulations, and do not violate public order and good customs. Demolition.

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;

2) the right to use construction land;

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, the parties shall conclude a mortgage contract in writing.

Article 402.

Where the property provided for in items 1 to 3 of the first paragraph of Article 395 of this Law is mortgaged, or the buildings under construction as provided for in item 5 of this Law, the mortgage registration shall be completed. The mortgage is created at the time of registration.