What is the secondary mortgage loan process?

Through bank:
6, after the signing of the contract, the staff of the loan agency will accompany you to the housing authority for two mortgage registration procedures, do not forget to prepare the relevant information.
2, after the bank agreed, the lending institutions will understand your personal information, see if you meet the two mortgage conditions, and understand the basic information about the house.
4, after the completion of the formalities, the bank will grant you the loan on the specified date.
Housing mortgage loan notes:
Through private lending institutions:
What is the secondary mortgage loan process?
1, you need to ask the loan bank to see if they agree to your two mortgage procedures.
3, the need for clear loan purposes. Mortgage loans are generally used for decoration, study abroad, buy home large consumer durable goods and other consumer items, if consumers of illegal use of mortgage funds, a bank may recover, so consumers should pay attention to the risk of policy.
3, after the audit, you need to sign a two mortgage contract with the bank, and for the loan contract notarized procedures.
2, in the marriage certificate provided in the case of divorce, the need to submit a divorce agreement or court verdict; if divorced single, you need to provide proof of remarriage after the divorce.
8, after the formalities have been completed, the loan institution will grant you the loan on the appointed date. Of course, you don’t forget to pay the service fee to them.
1, first of all need to submit two mortgage loans to the bank for a bank, agreed to handle two mortgage procedures, and bank loans is here before you apply for a bank loan, because the same property can not be mortgaged to the bank for different.
7, after completing the two mortgage registration, you need to go to the housing authority to receive his rights certificate, and the property stock exchange by the intermediary custody.
5, the small property right house does not have the right of house mortgage loan transaction. This is because small property right is not property rights, in case of policy, land use planning is facing the possibility of ashes, therefore, financial institutions will not mortgage such property.
2, after the application, you need to submit the necessary information for the loan to the bank, the bank will review your information, after the audit will tell you the results.
5, the two sides negotiated a good, then you can sign a civil two mortgage loan contract.
3, lending institutions will conduct on-site visits to the housing, to see the location of the housing, supporting, environmental and area and other factors, to see whether the housing has two collateral value.
1, real estate mortgage is the borrower’s name in real estate, if there are third people in common, then in the mortgage must be issued by the common consent of mortgage statements.
4, did not pay off the loan of the house, is unable to apply for mortgage loans. In other words, if the house is still in the mortgage status, the mortgage of the house is in the hands of the bank, although the borrower has the right to use, but does not have full property rights, so can not apply for mortgage again.
4, the investigation is completed, the loan agencies will negotiate with you two mortgage property program, specifically determine the property two times the mortgage loan amount, duration, interest rates, and service charges.

Original article, reprinted please note: ReprintLOAN

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