landlord and housing mortgage loan is a little different, because the landlord’s house has already applied for a mortgage loan. If you want to apply for a mortgage now, you must first pay off the original mortgage loan, which may be more expensive than the previous standard business of housing mortgage loans. It takes a little longer, but if the planning is good, it is still easy to approve, and it will not be empty. The following is the general operation process for your reference:
Step 1: Bank interview
When you go to the bank for interview, you need to bring the corresponding materials according to the requirements of the bank. Generally, you need to prepare original documents: lender and mortgagor (production ID card of both parties, marriage certificate ( divorce certificate , divorce agreement), household registration booklet, business license and copy of business license , articles of association, lease contract, and tax declaration materials Year (with tax stamp) or social security payment records for nearly six months, mortgage property certificates, other real estate property certificates, vehicle driving permits, and stock market value certificates (if any) are used as assets. (The original and photocopies of the above materials must be brought). Also prepare the official seal, corporate seal, company bank statement and personal bank statement for the last six months.
Step 2: Register with the bank
The customer manager of the bank will ask you to provide the collateral’s home address and company correspondence address, and make an appointment with you to go to your home and company to take pictures on the spot.
Step 3: Supplementary materials
Generally, during the face-to-face signing, many of our customers will lose things and may miss this or that material. At this time, the bank will give you the opportunity to supplement the materials that were not submitted before.
Step 4: Bank Approval
After successful bank approval, there will be an approval reply, which will state the amount of the loan. By this step, the loan is basically guaranteed.
Step 5: Apply for mortgage early repayment
Apply to the previous mortgage loan bank for early repayment, and make an appointment for repayment time. Some customers may not have so much money on hand to repay the loan. At this time, the advance fund company is needed to help advance the payment.
Step 6: Sign the contract
This is the most critical step. Go to the bank to sign a formal loan contract. You only need to bring your ID card, official seal, and corporate seal. When signing the contract, you may be asked to sign many contracts, but the time is very fast.
Step 7: Withdrawal of real estate mortgage
After the mortgage loan is repaid in advance, you need to go to the real estate transaction center to go through the registration of withdrawal of the mortgage. At this time, you must confirm the time and confirm with the mortgage teacher of the next bank when you can go to the real estate transaction center Go through mortgage registration to ensure seamless connection and synchronous withdrawal of mortgage. Anyone with a name on the real estate certificate must go to the real estate transaction center to sign. Those who are not convenient to come need to provide entrusted certification materials.
Step 8: Issuance of other certificates
After the real estate mortgage is handled, it usually takes about five working days for the real estate transaction center to issue other certificates, and the bank mortgage teacher will get them by himself.
Step 9: Make a loan
Wait until the other warrant enters the banking system, and wait a day or a few days before the bank will send a text message to remind you that the loan has been released, and the process is over.
The above nine steps are the general operation process. The review system of each bank is different, and there may be differences in the process of house withdrawal and mortgage operation. This is also to popularize knowledge for everyone. If you need a loan, you must find a professional Intermediary agencies, avoid stepping on the pit.
Finally, there are two points to remind everyone:
1, the loan application time is long:
The application time for the housing mortgage loan itself takes about 1 month, and the previous mortgage needs to be paid off, this time it may take 1 About half a month.
2, cost:
purchase for more than one yearThe shell company needs 8K fees and an annual agency bookkeeping fee of 2,400 yuan.
looking for an intermediary agency requires a service fee of about 1.5%.
If you don’t have the money to pay off the mortgage loan, you need to find an advance company to make an advance, which requires an interest of 80,000 per day, plus a one-time fee of 3,000.
has other hidden fees and more.
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