Do you need to go to the real estate center for mortgage money

1. Appreciation is certain. It's just a matter of speed and range, which are very low

2.

After the house mortgage loan is paid off, we should go to the bank for the settlement certificate. After the bank issues the settlement certificate, the staff of the bank will take the settlement certificate and the buyer to the real estate bureau where the real estate is located for the cancellation of other mortgage proceres

development materials

mortgage loan is a kind of loan business carried out by means of mortgage. For example: the housing mortgage loan is the indivial housing loan business that the house buyer uses the house purchased as the mortgage and the real estate enterprise that purchases the house provides the phased guarantee. The so-called mortgage means that the mortgagor transfers the property right of the house to the mortgagor, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the beneficiary immediately transfers the property right of the house involved to the mortgagor. In the process, the mortgagor enjoys the right to use the house

data source: online mortgage loan

3.

After the bank mortgage is paid in advance, it is necessary to go to the real estate bureau to handle the following proceres:

1. After the house purchase loan is paid off, it is necessary to go to the bank where the loan is located to go through the proceres first, and get the certificate of other items of the house. The bank shall affix the official seal on the certificate of other items, and write down the cancellation opinions, such as: the loan has been returned, and agree to cancel the mortgage

Then, the property owner should bring the real estate certificate, other certificates and the original ID card to the mortgage section of the local property housing security and real estate administration bureau for mortgage cancellation registration

3. If there are more than one person's name on the property right certificate, at least one property owner should be present, the original ID cards of other property owners should also be taken, and if there are minors' names, the guardian should bring the proof of guardian's identity to the scene

extended data

conditions for the lender and the mortgaged house:

conditions for the lender:

first of all, the actual age of a natural person with full capacity for civil conct at the maturity date of the loan is generally not more than 65 years old; Secondly, they have permanent residence in Beijing and fixed residence; Having a proper occupation and stable source of income, and the ability to repay the principal and interest of the loan on schele; Third, willing and able to provide real estate mortgage approved by the lender; Fourth, the real estate co owners recognize their loan and guarantee behavior, and are willing to bear the relevant legal responsibility

conditions of mortgaged real estate:

the property right of the house should be clear, meet the conditions of listing and trading stipulated by the state, and can enter the real estate market without any other mortgage; The age of the house (calculated from the date of completion of the house) + the loan period shall not exceed 40 years; The mortgaged house is not included in the local urban reconstruction and demolition plan, and has the house property certificate and land certificate issued by the real estate department and the land management department; The owner of the mortgage may be the borrower himself or another. If the real estate owned by others is used as mortgage, the mortgagor must issue a written commitment to agree the borrower to apply for a loan with the real estate as mortgage, and require the mortgagor and his spouse or other co owners of the real estate to sign

materials to be submitted by the lender:

materials to be provided by the borrower include: ID card and account book; Proof of personal income (with official seal of the company); A of the business license of the company (with official seal); marriage certificate; The identity card and household register of the borrower's spouse; The original and of the house ownership certificate and the original purchase agreement; The notarial certificate of the consent of the house owner and the co owner to mortgage and the proof of the purpose of the loan. Different materials need to be prepared for different types of houses, as follows:

(1) real estate mortgage contract (signed by both husband and wife on site)

(2) house ownership certificate

(3) of land use right certificate (original )

(4) real estate appraisal report issued by a qualified appraisal institution

(5) bank loan contract

(6) the proof of the relationship between husband and wife and the copies of the ID cards of both parties (check the original), and the certificate of celibacy shall be issued by the Civil Affairs Department of the place where the registered permanent residence is located

(1) house purchase pre-sale contract

(2) signing house purchase loan contract with bank

(3) a of the receipt of the advance payment for house purchase (check the original)

(4) the of the marriage certificate of the couple (check the original), and the certificate of celibacy issued by the Civil Affairs Department of the place where the registered permanent residence is located

4. First of all, the loan house uses the house property certificate as the collateral, and then goes to the bank to apply for a loan.
secondly, after the house property certificate comes down, you have to go to the real estate hall to go through the mortgage proceres.

5. Under normal circumstances, the order of handling is: sign a contract - & gt; Contract notice registration - & gt; Mortgage notice registration - & gt; If the mortgage is handled by the developer instead of you, the developer should return a contract to you after the mortgage notice registration. I...

6. According to the current regulations of various banks, many banks do not accept the second mortgage business for indivials. Therefore, only after the mortgage house has been fully paid off can the borrower apply for the housing mortgage loan
if the applicant intends to arrange the mortgage application for the real estate, the more reasonable way is to find relatives and friends with abundant funds, raise enough money for the remaining real estate loans, and then take them to the bank to repay the remaining loans of the real estate, complete the mortgage release of the real estate, and then mortgage the mortgage released real estate to the bank, The loan obtained by mortgage real estate is divided into two parts. One part is exchanged for lending money to relatives and friends, and the other part can be used for free control. Whether it is used for business turnover or living consumption, it is personal freedom. This method requires someone to provide a working capital, which takes about two months, It is divided into prepayment and mortgage application
if the applicant is unable to find relatives and friends to help, he or she can also choose to seek help from the guarantee company, that is, he or she can go to the guarantee company to advance money first, pay off the balance and release the mortgage of the house, and then he or she can handle the mortgage loan again. Of course, this method is more meaningful when there is more room for loan. On the one hand, it can wake up the sleeping property and convert the repayment part of the house mortgage into cash. On the other hand, the value-added part of the house property can also be converted into cash. In the process of processing, the guarantee company needs to charge a certain fee, and the charging standard is different from each loan institution. Therefore, the borrower may as well compare three companies and choose a relatively cost-effective loan proct. At present, there are many loan intermediaries or guarantee companies in the market that can handle mortgage loans for mortgage real estate. However, borrowers also need to be cautious, because some of them operate irregularly. If they fall into the trap carelessly, they may pay a heavy economic price.

7. In the house purchase contract signed, the time limit for handling the house property certificate will be stipulated. There are two situations when the house property certificate can be obtained:
first, if there is no agreement in the house purchase contract, the house property certificate should be obtained within three months after the delivery of the house< If there is no agreement in the purchase contract, the certificate should be obtained within three months after the signing of the contract< 3. The process of getting the house property certificate
1. The house property certificate for mortgage purchase is generally handled by the developer according to the house sales contract
2. After the house property certificate is issued, the original is usually deposited in the bank
3. After the borrower has paid off the bank loan, he can get back the house property certificate from the bank
4. Ask the bank to cancel the mortgage registration when obtaining the certificate.

8. After the mortgage repayment, we need to go through the following proceres: 1; 2. Go through the refund procere of the corresponding premium to the insurance company; 3. Return the deposit to the developer (if any). If you have applied for the house property certificate ring the loan period, you only need to get the cancellation form, other certificate and ID card of the bank to the window of the housing management office of the administrative service center. If you have not completed the property certificate, the bank's cancellation will be cancelled after the loan is completed, and then the property certificate must be taken. The following information should be taken: 1, the property owner and the identity card or household register , registered residence certificate and personal seal 2, purchase contract (original) 3, certificate of title 4, purchase invoice and photo 5, door card certificate and photo.