Take the household registration book and your personal information (including ID card, household registration book, marriage certificate, etc. ) and ask the bank. The bank will tell you what to do. Generally, it is necessary to evaluate before lending. The loan is about 70% of the loan evaluation amount, that is, if your house can be evaluated at 7000 yuan/square meter, the loan amount is 7000 * 59 * 0.7 = 280,000, and the regulations of banks in different places may be different. Generally, it will be decided according to your own credit status and income status. The interest rates of this commercial loan in our county are 30% for ICBC and 50% for ABC, which means that the interest rate of ICBC is 8.84% and the annual interest rate of ABC is about 10.2.

What if I want to borrow money from the bank with my own house?

If you apply for a loan through our bank, the loan handling bank will generally review the customer's loan purpose (different loan products correspond to different purposes), and you can only apply if the loan purpose meets the requirements. At the same time, it will comprehensively evaluate factors such as collateral, personal credit and repayment. In addition, the loan amount, interest rate, term and other factors need to be combined with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets. For details, please contact the nearest loan handling bank of China Merchants Bank.

If you have any other questions, please log in to "Online Customer Service" (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

How to get a bank loan with real estate license?

First of all, it is necessary to clarify the purpose of the loan. Mortgage consumer loans are generally used for decoration, study abroad, medical care, wedding, and purchase of large household durable consumer goods (car purchase, etc.). ) and other consumer items. It is understood that the current main use is decoration.

Secondly, the mortgaged property must be the property under the borrower's name. If it is owned by a third party, a statement of consent to mortgage must be issued at the time of mortgage.

Third, in the marriage certificate provided, you need to submit a divorce agreement or a court judgment. If you are single after divorce, you need to provide proof that you have not remarried after divorce.

In addition, before handling, consumers need to have a rational understanding of the repayment pressure of mortgage consumer loans, fully consider their repayment ability, and avoid the unfavorable situation of eventually paying off debts with real estate.

1. Definition of loan

In order to meet the legitimate needs of life and business, we apply for special-purpose loans from banks with our own or others' property houses as collateral.

2 loan term, amount and down payment ratio

◆ 1 -30 years;

◆ The maximum loan amount is 70% of the appraised house price.

3. Requirements of the Borrower

◆ Natural persons aged 22-60 with ID cards;

◆ Have the ability to stabilize occupation and income and repay loan principal and interest on schedule;

◆ Valves that can provide all property rights of themselves or others or companies as collateral;

◆ Other guarantees recognized by us can be provided.

4. Conditions for mortgaged houses

Commercial housing, public housing, affordable housing, villas, ground floor businesses, office buildings, etc. Have complete property rights;

◆ The owner is an individual or enterprise;

◆ Complete procedures, able to handle mortgage registration and listing and circulation.

5. Information to be provided by the borrower

◆ Husband and wife's ID card, household registration book, marriage certificate (single person provides single certificate) and two one-inch recent photos;

◆ Copy of unit income certificate and business license (with official seal)

◆ Borrowing materials: it can be simplified.

6. Materials provided by the Owner

◆ ID card, household registration book and marriage certificate of both husband and wife (if single, provide single certificate).

◆ Original property certificate

◆ The original purchase agreement must be provided for the purchased public houses.

◆ The central delivery room needs to provide housing confirmation.

7. Bank interest rate and repayment method

◆ The bank interest rate shall be subject to the commercial loan interest rate stipulated by the People's Bank of China for the same period.

◆ The repayment method is equal principal and interest and average capital, which can be chosen by yourself.

Please call for details!

How to use real estate to handle bank loans

Personal real estate mortgage loan guarantee

Personal real estate mortgage loan refers to a RMB loan issued by a bank to a natural person, with real estate legally owned by oneself or others and available for listing and circulation as collateral.

mortgage rate

① If ordinary houses are mortgaged, the mortgage rate shall not exceed 70%;

(2) With high-grade houses (the house price is more than twice the average house price of local houses), villas, high-grade apartments and commercial houses (including office buildings and shops) as collateral, the maximum mortgage rate shall not exceed 50%.

Real estate mortgage conditions

The property owner is a natural person with full capacity for civil conduct, and the property of an enterprise legal person, institution, administrative organ, social organization or other organization may not provide mortgage guarantee for personal loans;

② The building age of the mortgaged property shall not exceed 20 years;

(3) The mortgaged property should have complete property rights and be freely listed and circulated;

(four) the mortgage guarantee has obtained the consent of the property owner or other right holders;

The mortgaged property is within the administrative area of the city where the handling bank is located;

⑥ The types of houses should be mainly ordinary houses with strong mobility and shops with commercial environment, carefully set foot in high-end apartments, villas and general commercial outlets, and strictly control the mortgage loans of hotels and office buildings;

Applicants are required to provide the following materials

1, personal loan application form

2. The applicant and * * * have valid identity documents and household registration books.

3. Proof of loan purpose:

(1) When purchasing a house or a commercial house (including a first-hand building and a second-hand building), a legal and effective purchase contract, agreement or letter of intent shall be provided, which shall not be lower than the total purchase price.

30% capital or proof of payment (such as down payment invoice or bank deposit certificate);

(2) For other consumption purposes, a legal and effective contract, agreement or letter of intent shall be provided;

(3) For investment and operation, a legal and effective business license, written documents on the specific use of funds (such as feasibility analysis report), financial statements of the enterprise, purchase and sale, etc. shall be provided.

Contracts, etc.

4. Legal and valid real estate license;

5. A written certificate of consent to mortgage issued by the authorized disposition of mortgaged property;

6. The appraisal report issued by the real estate appraisal institution recognized by the bank on the mortgaged property (or the pre-appraisal report recognized by the bank).

How to apply for real estate license for mortgaged houses?

It is one of the relations between denying mortgage and handling real estate license: it is necessary to handle pre-mortgage procedures, and then cancel the pre-mortgage at the time of real estate registration before handling real estate mortgage.

The property you buy should be an auction house. In this case, the developer will inform you to go to the Housing Authority when you can apply for the real estate license (the property has passed the acceptance, the developer has paid various taxes and fees, and you have completed the signing and payment).

Generally speaking, it takes some time to handle the real estate license (auction), which is included in this purchase contract. It may be within one year or 365 working days, and it must be after the mortgage is completed. You can consult the developer or wait for the notice.

How to borrow money with real estate license

Hello!

First, because the title certificate is your father's name, and your father is the owner of the property, your father must go through the loan formalities, and the bank will not approve the loan application you submitted.

Second: the loan must be mortgaged, and you must be the owner of the collateral.

Third: If you need to apply for a mortgage loan from the bank, the bank will evaluate the property, and at the same time, you need to provide your ID card, marriage certificate, household registration book and income certificate issued by the unit.

Fourth: you can choose to pay off in one lump sum when it expires.

How to get a bank loan with real estate license

Bring your real estate license, deed tax certificate, land certificate, ID card, household registration book and marriage certificate. If you have a spouse, you need your spouse to bring your ID card to the bank to sign the formalities. At the same time, you can provide proof of loan demand and income, and you can go to the local commercial bank to consult and apply for mortgage loan.

Housing needs loans to pay off unsecured, three certificates in hand, small property rights and public houses, not accepted. The housing area shall not be less than 50 square meters, and the house age shall not exceed 20 years.

How to use existing real estate as collateral to buy a house

If the purchased public houses get the property right certificate, it belongs to the property right of the factory owner, but it is ok to pay the land transfer fee when listing. If it is a mortgage, you should generally state the purpose of your mortgage. Some banks stipulate that after your house is mortgaged, you can only buy a car, decorate it and let your children go abroad. You are not allowed to buy a house, but some banks still allow you to do it. Generally speaking, your loan is like this, that is, you hand over the property to an evaluation company for evaluation. For example, the market value of your property is 600,000, and he thinks it is 500,000 after evaluation. He borrows 50% according to the evaluation value, which means he can borrow 250,000. Some banks require that your longest repayment period is 10 years, and some banks can do it for 30 years, but don't expect too much.

How to borrow with real estate license, and how much can I borrow?

First of all, whether your current house has been settled or bought in full, that is, whether the property rights are clear now. If not, it can't be mortgaged again.

Second, you must be looking for a bank loan, and the process should not be too troublesome. You can find an intermediary to do it, or you can go to the bank yourself. First fill in the application form-evaluation-pricing-loan-repayment.

Third, it's not up to you to decide how much your house is worth, and you won't know until the bank's evaluation agency evaluates it.

4. The mortgage loan can only be 50%. Interest rate goes up 10, up 30%. It must be big. Mortgage decline 10-30%.

5. The repayment is the same, and it is also paid every month for many years. It depends on which bank you are looking for.

You'd better find an agent and let them do it for you. You can also ask the bank directly.

How to mortgage a bank loan with a house?

The main process of mortgage bank loans with houses:

◆ The borrower shall fill in the Application for Mortgage of Residential House before the loan.

◆ The bank examines the borrower's loan application, house purchase contract, agreement and related materials.

◆ The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

◆ Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

◆ After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the house selling unit or building unit specified in the house purchase contract or agreement.

◆ Settle the loan. Loan settlement includes normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

Bank loan mortgage application materials:

◆ Real estate license

◆ Identity cards of the obligee and spouse.

◆ Household register of obligee and spouse.

◆ Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

◆ Proof of income

◆ If the owner of the real estate license has minor children, please provide a birth certificate.

◆ If the property has a bank loan, please provide the original loan contract and the latest bank statement.

◆ In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).

If you can't provide this service, you can operate it through an intermediary company, and of course there will be a certain fee. You can refer to it, I hope it will help you)