house mortgage loan is a little different from that of house mortgage loan, because the house owner has already applied for a mortgage loan. If you want to apply for a mortgage loan now, you must first pay off the original mortgage loan. It may take a little longer than the previous standard business of house mortgage loan, but if you plan well, it is still easy to get approved, and it will not be a waste of money. The following is a rough operation process for your reference:
Step 1: Bank interview
When going to the bank for an interview, you need to bring the corresponding materials according to the requirements of the bank. Generally, the original materials need to be prepared: the lender and the mortgagor (the name of the property owner on the property certificate holder) Both spouses’ ID cards, marriage certificates ( divorce certificate, , divorce agreement), household registers, business licenses and copies of business licenses, articles of incorporation, lease contracts, tax declaration materials for the past year (tax stamps are required) or social security payment records for the past six months, mortgage property certificates, other real estate certificates, vehicle driving licenses, and stock market value sheets (if any) are used as assets. (Originals and copies of the above materials must be brought). Also prepare the official seal, legal person seal, company bank statements and personal bank statements for the past six months.
Step 2: Bank account
The account manager of the bank will ask you to provide the home address of the collateral and the company's mailing address, and make an appointment with you to go to your home and company to take on-site photos and records.
Step 3: Supplementary materials
Usually during the interview, many of our customers will forget everything. They may miss this material or that material. At this time, the bank will give you the opportunity to complete the materials that have not been submitted before.
Step 4: Bank approval
After the bank approval is successful, there will be an approval letter, which will state the amount. At this point, the loan is basically guaranteed.
Step 5: Apply for early repayment of mortgage
Apply for early repayment with the bank where the mortgage loan was previously made, and make an appointment for the repayment time. Some customers may not have that much money on hand to repay, and in this case they need an advance company 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 a contract, you may be asked to sign multiple contracts, but it will take a very short time.
Step 7: Withdrawal of mortgage on real estate
After repaying the mortgage loan in advance, you need to go to the real estate trading center to register for mortgage withdrawal. At this time, you need to confirm the time and confirm with the mortgage teacher of the next bank when you can go to the real estate trading center to register for mortgage to ensure seamless connection and simultaneous withdrawal of mortgage. Anyone with a name on the real estate certificate must go to the real estate trading center to sign. Those who are inconvenient to come need to provide documents proving entrustment.
Step 8: Issue other certificates
After handling the real estate mortgage, it usually takes about five working days for the real estate trading center to issue the other certificates, and the bank mortgage teacher will get it himself.
Step 9: Loan
Wait until the other warrants enter the bank system. After a day or a few days, the bank will send you a text message to remind you that the loan has been released. This is the end of the process.
The above nine steps are a rough operation process. The review systems of each bank are different, and the process of removing the mortgage of the house may also be different. This is also to popularize knowledge for everyone. If you have loan needs, you must find a professional intermediary agency to avoid pitfalls.
Finally, there are two things to note:
1. Loan application time is long:
The application time for a home mortgage loan itself is about one month long, plus the repayment of the previous mortgage, this time it may take about one and a half months.
2. Cost:
Purchasing shell company for more than one year requires 8K fees, and you need to pay an annual agency accounting 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 on hand to pay off the mortgage loan, you need to find an advance company to advance the loan, which requires an interest of RMB 8,000 per day, plus a one-time fee of RMB 3,000.
has other hidden costs and so on.
