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How to make a loan after paying down the house? What is the process of real estate mortgage loan

now, buying a house is not only the time to make a down payment, but also the time to make a mortgage and real estate certificate after the down payment. How to make a loan after the down payment? What is the process of real estate mortgage loan? Let's have a look.

after paying the down payment for the house, apply to the bank for a loan, and use the real estate certificate as the mortgage for the loan. Specific process:

1. Go to the bank and fill in the application form for personal housing loan.

2. Developers usually sign cooperation agreements with one or several banks, so it is more convenient to handle mortgage loan agreements with banks that have agreements with developers.

3. Take the original and copies of the down payment receipt, commercial housing sales contract, ID card, local account book (non local account provides temporary residence certificate for more than one year), income certificate, etc. to the bank to fill out the personal housing loan application form.

4. After approval, the loan contract shall be signed first, and then the bank shall lend money. The developer or the bank will call.

5. The loan will be deducted within one month after the loan date. For example, the loan date is the 20th, and the deduction will be made on the 20th of the next month.

Mortgage features:

(1) The house mortgage is the guarantee of the original creditor's rights and debts, the former creditor's rights and debts is the main contract, and the house mortgage is the subordinate contract. It takes the legal and effective existence of the original master contract as the precondition, and cannot exist independently.

(2) The mortgaged house can be kept by the mortgagee or by the mortgagor, usually by the mortgagor. The custodian shall carefully maintain the mortgaged house.

(3) When the party who has the obligation to pay off the debt fails to perform the obligation, the house mortgagor can directly exercise the house mortgage right, and can realize its rights without relying on the behavior of the debtor.

(4) The mortgaged property must be the house, the mortgagor of the house can be the debtor or the third party. The mortgagor must have the ownership of the mortgaged house. If the mortgaged house is a state-owned house, the mortgagor must have the right to dispose of the mortgaged house.

(5) The establishment of house mortgage is generally in written form, and the scope of guarantee shall be clearly defined.

(6) The mortgagor will not lose the ownership of the house after the house is mortgaged. Therefore, the mortgagor should bear the risk of accidental loss of the house.

(7) House mortgage is a kind of real right of security. If the house mortgagor transfers the mortgaged house to a third party without the consent of the house mortgagee, the house mortgagee shall have the right of recourse against the mortgaged house, and the loss suffered by the house transferee shall be borne by the house mortgagor.

Bank loan refers to an economic behavior that a bank lends funds to those who need funds at a certain interest rate according to national policies and agrees on a time limit for repayment. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, the industrial and commercial loans in the United States mainly include general loan limit, working capital loan, standby loan commitment, project loan and other types, while the industrial and commercial loans in the United Kingdom are mostly in the form of bill discount, credit account and overdraft account.