Zhihu, can my house be mortgaged?

The house can be mortgaged. Second-hand housing loans are mainly within 30 years, and generally you can get money. First of all, mortgage loans need property certificates of houses. If the house is being mortgaged, the lender cannot make a mortgage loan to the bank because he has not obtained the house property certificate.

Problems needing attention in housing mortgage loan

If you want to make a mortgage loan before paying off the principal and interest, you can use the house purchase contract as collateral to the bank. If the buyer can't repay the principal and interest within the time limit, the bank can sell the house to offset the arrears. If the borrower's qualification is good, but the credit loan amount can't meet your capital use needs, you can also choose to apply for a credit loan first.

The rest of the funds are obtained by looking for a guarantee company to guarantee the borrower. In this way, the ideal state of relatively low interest rate and relatively large loan amount can be achieved as much as possible. If you want to guarantee the loan amount and save costs, borrowers can also find better qualified relatives to apply for loans.

Can the house be mortgaged?

Hello, yes, those with bad credit records choose to apply for mortgage loans. In contrast, if they have a bad credit record, the chances of getting a mortgage loan will be higher.

Under normal circumstances, if you want to apply for a mortgage loan directly from the bank, it is easier to be audited by the housing mortgage loan. If the borrower's credit is overdue for no more than three times or for no more than 90 consecutive days, it is more likely to get a loan through the loan company if he provides the house as collateral and ensures that all procedures are complete.

In addition, if the borrower wants to get the loan as soon as possible under the condition that the conditions are not very good, he can also apply for the loan directly through the local loan company or loan intermediary.

Hope to adopt. Thank you.

Can the house be mortgaged to the bank for a loan?

If a sum of money is urgently needed, many people want to mortgage their houses to banks and apply for loans from them. Can the house be mortgaged to the bank for a loan? Today, Bian Xiao will introduce you to related issues.

1. Can the house be mortgaged to a bank loan?

1, the house can be mortgaged to the bank and then apply for a loan from the bank. The main content is to explain the purpose of the loan and the amount needed, including the time of the loan and so on.

Next, you need to submit the loan information to the bank. If an individual applies to a bank, he/she needs to provide his/her ID card and running bill, including proof of work. At the same time, the bank will check your credit report, including the property certificate of this house, and you need to take it out as collateral.

The bank will evaluate the price of this house and approve your personal loan qualification.

If there is no problem, the bank will sign a loan contract with you, and it will be notarized by a notary. After that, you need to go to the real estate bureau for mortgage registration, and finally the bank will transfer the funds to the relevant account.

Second, how much can the house be mortgaged to the bank?

1. How much can a house finally be loaned? This is a problem that many people care about. Generally, you can borrow 70% of the house price, which is the highest. If your personal credit problem is not particularly good or your income is limited, your loan funds will be limited.

2. For example, your house value is 1 10,000, your income is relatively stable, you have repayment ability, your credit report in the bank is good, and you have no debt. Under this precondition, a maximum loan of 700,000 yuan can be obtained.

Third, what materials need to be prepared?

1. First of all, you need your personal identification, your ID card and your household registration book. If you are married, you need to provide a marriage certificate or the identification of the other spouse.

At the same time, you should also provide your income certificate. If you work in a company, you need to issue proof of income or assets under your name.

3. At the same time, you also need to provide real estate license or purchase agreement.

Bian Xiao concluded: If you want to mortgage your house to the bank to apply for a loan, you need to go through a series of procedures to meet the conditions of the loan, so you need to consult the bank before.

Is there a room to apply for a mortgage?

Yes

1. Mortgage loan needs to be evaluated according to your comprehensive qualifications, taking into account your income, debt, credit history, repayment ability, etc. High debt will affect the approval of loans, but the approval should be based on the actual results of the loan system. It is difficult to apply for most bank loans. This ratio is controlled within 70% of the debt ratio. If you get closer to this point, it usually decreases. The number of online loans is too high, and the prerequisite for ordinary banks to pass customs clearance is the need to clear online loans. There are also some banks that have low requirements for liabilities, net loans and overdue issues. As long as the house is 25 years, you can apply.

Generally speaking, it is ok to apply for a loan, but the success rate may be low, but there is no solution. Indeed, if you buy a house with a loan, the debt may be too high, but if there is still a mortgaged house, you can take a second mortgage.

3. two mortgage also needs certain conditions, because banks generally don't accept two mortgage directly, so it needs the intervention of guarantee companies to provide short-term dismantling services through guarantee companies, pay off the balance with their own funds, and lift the house mortgage. After canceling the mortgage, you can re-apply for a housing mortgage loan, so that you can get a high mortgage loan.

If you have too much debt, the mortgage on your house may not mature. Whether a user can apply for a mortgage depends on the repayment ability of the applicant. If the main borrower has the repayment ability and can afford the loan business, he can apply for a mortgage loan. It should be noted that mortgages can take reasonable debts. If the debt is too high, it will still have a negative impact on housing mortgage loans.

How much can I borrow from the bank with a real estate license?

You can borrow about 70% of the appraised value of the house. For example, if your house is worth10 million, you can borrow up to 700,000 yuan. In fact, the loan amount is not only related to the appraised value of the house, but also closely related to your credit history and repayment ability. The specific loan amount is subject to bank regulations.