How to handle Harbin real estate mortgage loan?

1. How to handle Harbin real estate mortgage loan?

Property mortgage requirements: commercial houses and commercial houses are used as collateral. Tips: The real estate that must be mortgaged and the loan agency must be located in the same city. Personal mortgage loans do not accept real estate below RMB 00,000 (inclusive) as collateral; (3) completed property rights certificate, clear property rights, listing and circulation disputes and other circumstances that are not conducive to liquidation; (four) has a strong liquidity, the real estate structure is intact, water, electricity, environmental protection transportation, urban construction, property management and other supporting facilities and services within the scope of government planning; ⑤ If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit term plus the house age is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit term plus the age of the house is not more than 30 years in principle. ⑥ In principle, industrial buildings are not accepted as collateral; Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.

Second, how to handle housing mortgage loans in Harbin?

Hello, the mortgage loan needs to be determined according to the real estate situation and the qualifications of the applicant. Those who meet the requirements can be accepted within 5 working days.

The loan requires that the housing period be within 20 years, and the housing has certain liquidity conditions. The loan is roughly 70% of the appraised value of the house, with the longest loan period not exceeding 30 years and the second-hand house not exceeding 20 years.

The commonly needed documents are: 1, land use certificate and real estate license. 2. Identity cards and household registration books of the obligee and spouse. 3. Marriage certificate of the obligee. 4. proof of income. 5. If the owner of the real estate license has minor children, he must provide a birth certificate. 6. If your property has a bank loan, you need to provide the original loan contract and the latest bank statement. 7. Provide proof of property as much as possible.

At the same time, I suggest that your bank loan review threshold is high and the lending speed is slow. You might as well try the loan company. Take Cargill as an example. The company is strong with a registered capital of 50 million yuan. Loan managers are elite celebrities who have been engaged in this industry for many years. Fast loan, low cost, formal and safe.

Third, Harbin real estate mortgage loan process?

1. The applicant prepares materials to apply for a loan from the bank.

2. Bank acceptance bills. 3. The appraisal company evaluates the real estate (collateral). 4. The bank obtains the approval evidence according to the information provided by the customer and the evaluation report. 5. After the approval of the bank, apply for real estate mortgage. 6. The bank will lend money after obtaining the certificate of other rights. 7. Post-loan management of banks. Information required for real estate 1 mortgage loan. Property certificate. 2. Identity cards of the owner and spouse. 3. Household registration book of the property owner and spouse. Marriage certificate of the property owner (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau). 5. Identity cards of the borrower and his spouse. 6. The household registration book of the borrower and his spouse. 7. The borrower's marriage certificate (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).

Real estate mortgage loan mainly refers to the loan issued by the bank with the real estate owned by the borrower or the third party as collateral. If the borrower fails to repay the principal and interest of the loan at maturity, the loan bank has the right to dispose of its collateral or pledge according to law, or ask the guarantor to bear the responsibility of jointly repaying the principal and interest.

During the mortgage period, the mortgagor shall not dispose of the mortgaged real estate at will, and the bank, as the mortgagee, has the right to supervise and inspect the mortgaged property.

The process is as follows:

1. The client himself and his spouse come to our company to sign the agency agreement with relevant originals;

2. On the day of signing the contract, the customer pays the loan service fee, and the company reports the evaluation for the customer;

3. On the day of signing the contract or the second working day, the appraiser will make an appointment for the on-site evaluation of the customer;

4. Evaluate the returned evaluation report within 4 working days after signing the contract, and the customer will complete the loan information within this period;

5. On the day when the evaluation report returns, arrange face-to-face interviews between customers and loan banks;

6. The bank will send the loan information to the bank for approval within 2 working days after signing the contract;

7. The company will issue a loan approval certificate to the customers who have been approved by the bank, and notify the customers to send the original real estate license online for review;

8. For customers who need to repay in advance, arrange the repayment procedures of the original loan bank after the bank approves the loan;

9. Within 3 working days after the bank returns the mortgage contract, arrange the property owner to go through the mortgage registration formalities at the district/county construction committee;

10. According to the loan conditions of the bank, the company arranges the loan bank to handle the loan procedures, and the bank transfers the loan funds into the designated account within 2 working days after completing the mortgage registration procedures;

1 1. Go through other post-processing procedures.

Extended data:

Conditions for handling real estate mortgage loans

To apply for a real estate mortgage loan, you need to meet some conditions. The sum of the borrower's age and the loan term is not more than 60 years old, and the personal consumption line loan object is over 18 years old. China citizens who have no bad credit record in the banking system and have full capacity for civil conduct will not accept the mortgage guarantee of minors' own property;

The minimum construction area of the mortgaged property shall not be less than 30 square meters; The construction period of the mortgaged property is less than 20 years.

On the basis of benchmark interest rate, the loan interest rate will rise by a certain proportion according to the nature of the house and the mortgage interest rate; The mortgage loan term is 1- 10 year, and the minimum loan amount is 50,000 yuan.

The maximum loan amount of mortgaged real estate shall not exceed 70% of the assessed value of collateral; Office buildings, commercial buildings and villas facing the street shall not exceed 50% of the assessed value of collateral. The repayment method is equal principal and interest.

The borrower and the property owner must be present when signing the loan contract and going through the mortgage registration formalities at the Housing Authority. When withdrawing money, the borrower can take my ID card to the bank to withdraw money or go through the card collection procedures at the agency.