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How does the house mortgage the bank loan? How about the loan process of housing mortgage bank

Now it is quite common to buy a house with loan, because it can reduce our economic pressure, so many people will choose to buy a house with loan. So how does the house mortgage the bank loan? How about the loan process of housing mortgage bank?

housing mortgage loan application conditions:

1. A natural person with full capacity for civil conduct, aged between 18 and 65;

2. Have legal and valid identity certificate (resident identity card, household register or other valid identity certificate) and marriage status certificate;

3. Good information record and willingness to repay;

4. Have a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

5. Commercial housing sales (pre) contract or letter of intent with the purchased housing;

6. It has the ability to pay the down payment of the house purchased; if the new house is used as the maximum mortgage, it must have a legal and effective house purchase contract, the age of the house is less than 10 years, and the down payment of not less than 30% of the total price of the house purchased is available or paid; For those who have purchased and applied for housing mortgage loan, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the mortgage housing value, and the housing used as mortgage has obtained the housing ownership certificate, and the housing age is less than 10 years;

7. Effective guarantee approved by the lender;

8. Other conditions stipulated by the bank

Materials required for housing mortgage loan:

1. Personal identity certificate, household register, residence address certificate and marriage status certificate;

2. Personal income certificate or asset status certificate;

3. The property right certificate of the mortgaged house;

4. If the applicant uses another person's property as mortgage, the identity card of the property owner (including co owners), marriage status certificate, written certificate of consent to mortgage, etc. shall also be provided;

5. If a bank is designated, other documents required by the bank are also required.

The specific process of housing mortgage loan guarantee is as follows:

1. The real estate under the name of the client is the big property right house that can handle the real estate mortgage registration first;

2. Apply for mortgage loan;

3. The appraisal agency evaluates the self owned real estate provided by the client and submits the real estate appraisal report.

4. Handle the real estate insurance procedures and the corresponding loan approval procedures, and the maximum loan amount can reach 80% of the assessed value.

5. The client shall go through the mortgage registration procedures at the real estate bureau of the district and county where the real estate is located with the real estate certificate and loan contract.

6. After the mortgage registration is completed, the bank can issue the loan.