Why go to the real estate center for payment

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1、 What kind of mortgage can be used for bank mortgage loan

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real estate. The first thing that bank mortgage can be used to mortgage is real estate, such as personal housing, family housing, real estate factories, shops, etc. With real estate mortgage loan, generally need to evaluate first, after evaluation, can loan to 78% of the evaluation price

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

3. The basic process of mortgage loan is as follows:
on-the-spot house inspection:
loan officers, intermediaries, appraisers, buyers and sellers go to the house site where the mortgage loan is applied for to conct on-the-spot house investigation
property right verification
the property owner and the co owner (the seller) shall bring the original ID card and the original house property certificate to the housing authority for verification and go through relevant proceres
signing the contract:
the bank carefully checks and verifies the original data of the customer, identifies the authenticity of all the signers, supervises the signature of the customer, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the data, and reminds both parties to handle accounts in the bank
fill in the contract:
the bank sorts out the information and fills in the contract according to the relevant information provided by the customer
payment obligation:
the bank will inform the customer to pay the fee after passing the preliminary examination
property right transfer:
the buyer and the Seller shall handle the property right transfer proceres with the help of the housing authority; The lender shall prepare relevant materials and go to the bank for mortgage proceres
bank loans.

4. Loans need to do real estate certificate, which means that you do mortgage loans, housing mortgage loans, this is needed, otherwise, if you handle credit loans, you do not need this, if the loan, you can handle it through the 39 financial services.

5. The money from the examination and approval of the customer's house purchase loan must be in the hands of the developer. The government affairs center, that is, the real estate bureau, is only a place for the state to handle the real estate business. The real estate is built by the developer, so the money must be in the hands of the developer. Otherwise, how can the developer collect the money. Hope to adopt

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7. In the process of housing mortgage registration, the borrower needs to get the loan contract, real estate certificate, personal identity certificate and other materials to the housing authority for housing mortgage registration. After the completion of the registration, the Housing Authority will issue the mortgage certificate. At this time, the real estate mortgage loan is really completed, and the property right of the house will also belong to the mortgage agency

as for the mortgage registration fee, different regions charge different fees, generally 80-100 yuan per set. If the mortgage registration is handled with the mortgage loan of the future house, it will involve different mortgage registration fees, which shall be subject to the local housing authority

in addition, after paying off the real estate mortgage loan, don't forget to go to the housing authority for cancellation of mortgage registration. Only after cancellation of mortgage registration, the house belongs to the owner, and there is no charge for cancellation. Housing mortgage bank loan proceres:

1. Need to open a current deposit account in the bank's business institutions

2. Please fill in the loan application form as required and submit the application form and the required materials according to the instructions of the bank

3. The banking operators or designated lawyers shall conct home visits to investigate the authenticity, legality and integrity of the information provided

4. After approval, the bank will notify the approval result and sign the loan contract

5. Go through insurance, mortgage registration, notarization and other proceres according to the situation< 6. The bank transfers the loan directly to the account agreed in the contract< Please repay the principal and interest according to the loan contract.

8. Some banks are really asking for the two certificates of commercial housing to be mortgaged in the bank. You can consult with the banks directly, and after you receive the two certificates, you will settle down by the two registered residence. If you want to settle down in the far city area, you can bring the relevant information to the household registration department where the real estate is located. But not all banks require the two certificates to be mortgaged in the bank. There are two kinds of situations for the real estate with loan when handling two certificates. One is that the loan has been paid off before handling two certificates; Second, the loan has not been paid off after handling the two certificates. The case is the following situation, in the case of two certificates after the loan has not been paid off, then if the two certificates can not be in the hands of the bank, then what is the situation? The other warrants are mortgaged in the bank, and the two certificates are in the hands of the buyers. Because the operation regulations of different branches of each bank are not unified, some branches do not require that the original certificate of property right be mortgaged in the bank, but only need to do a mortgage registration, and the buyers can own the certificate of property right with the mark of mortgage registration.