What is the process of personal housing mortgage loan?

1, you must have your own house under your name (the full amount can be mortgaged).

The full amount can be handled directly, and the mortgage (can be loaned twice).

2. Check the credit information

Understand the real credit situation, whether it is overdue and the details of liabilities, and then match the corresponding bank loan products according to the specific situation.

3. Evaluation

Arrange on-the-spot evaluation by the evaluation company. The better the location, the higher the value.

Step 4 prepare information

ID card, bank card, household registration book, real estate license, income certificate, and loan use certificate.

If it is a husband and wife, both parties should provide the above information+marriage certificate.

Note: Bank card (need to be opened in the bank that handles the loan).

Step 5 sign a contract

Step 6 wait for a loan

7. Repay on time

Be sure to pay back on time so as not to affect your credit history.

Conditions required for handling loans

1, age 18-65 years old

2, housing (more than 40 square meters)

3. The room age is less than 30 years.

4, elevators, buildings can be done

Product advantage

1, there is no penalty for prepayment.

2. Interest before principal, interest before principal, and equal principal and interest.

3. Low interest (3.65%-4.5%)

4. Discount of 7-20% for the evaluation of high credit line (single maximum credit line100000)

5. Lending time is shortened by 7- 10 working days.

65438+3.65% 0-year period, with interest paid after interest;

10 4.3%, equal principal and interest;

Handle all kinds of bank loans, second mortgage, decoration loans, personal credit loans, enterprise credit loans, bridge crossing, mortgage loans and other products.