Real estate mortgage loans are mainly divided into personal consumption loans and commercial loans.

If you do it in your own name, the money will be transferred to your own card.

If you make commercial loans, you have to put them into a third-party account.

There is also a kind of consumption. If the amount is small, you can directly enter your own account. If the amount is large, you still need to enter a third-party account. This is a way for banks to control risks and control fraudulent loans.

I. Application procedures for handling loans:

1. Signing subscription book: The customer signs subscription book with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company.

2. Application: The customer goes to the law firm entrusted by the bank to apply for mortgage, including submitting personal data, paying various fees and filling out legal documents.

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged.

4. Other legal procedures: the law firm handles insurance, notarization and mortgage registration of collateral.

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

2. To apply for a personal loan, you need to meet the following conditions:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.

2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.

3. Have a good credit record and willingness to repay, and no bad credit record.

4. It can provide legal, effective and reliable guarantees recognized by banks.

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

6. Other conditions stipulated by the bank.

3. Personal property that can be used for mortgage loans

1, real estate, including real estate and real estate (land use right rather than ownership);

2. Securities, such as treasury bills, public bonds, financial bonds, cashier's checks, bank drafts, bank acceptance bills, corporate bonds, company stocks and insurance policies;

3. Mechanical equipment, such as power equipment, transmission equipment, working machinery equipment, tools, instruments, production equipment and transportation equipment. ;

4. Current assets, such as raw materials, fuels, commodities and bills of lading;

5, private property, including private means of production and means of subsistence, such as machinery and equipment, real estate, current assets, securities, tangible assets, jewelry, etc. ;

6. Intangible assets, such as contracts, bonds, goodwill, copyrights, trademarks, patents, franchises, etc.