What is the mortgage process of a safe house?

1. What is the mortgage process of a safe house?

Ping 'an Housing Loan Application Process

1 First, the user is required to submit a mortgage loan application to Ping An Bank, and prepare the materials needed for real estate mortgage loan, including personal bank account, work certificate, ID card and real estate license.

2. Waiting for the investigation and approval of Ping An Bank;

After the loan is approved, Ping An Bank will call to sign the loan contract, and at the same time go through the mortgage formalities and sign the mortgage contract.

After all the contracts are signed, Ping An Bank will lend the money to the agreed bank card account.

Second, the real estate mortgage loan process of Ping An Bank

Ping An Bank applies to Ping An Bank outlets, and the staff will get a preliminary understanding of the applicant, inform the applicant of the bank's regulations and requirements in this regard, and see if the applicant meets the loan conditions.

Meet the conditions of Ping An Bank's real estate mortgage loan, sign a loan contract with the applicant, which will stipulate the loan amount, repayment time, interest and other aspects.

Mortgage loan, also known as "a loan method adopted by banks". The required goods are used as the guarantee of the loan to ensure the maturity of the loan. Commodities that are easy to sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. If the auction money is not enough to pay off the loan, it shall borrow money.

Bank mortgage loan

I. Personal housing loans

1. Personal housing commercial loan

Personal housing self-operated loans issued by commercial funds refer to commercial loans that are guaranteed to be repaid by capable natural persons when they buy self-occupied houses in cities and towns of this city.

2. Personal housing

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank for repayment of loans with their own property houses as collateral when they buy or overhaul their own houses in cities and towns of this city.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can also apply for personal housing provident fund loans from banks while handling personal housing commercial loans, that is, borrowers can apply for personal housing provident fund loans and personal housing commercial loans with urban self-occupied houses purchased in this city (this loan method is referred to as personal housing portfolio loans).

Second, the enterprise mortgage loan

Corporate loan target: all kinds of small and medium-sized enterprise customers in industrial and commercial registration, operating in good condition.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 ~ 65.438+0 billion.

Pawnshop mortgage

Mortgaged pawn means that the pawnshop mortgages its real estate to the pawnshop, pays a certain percentage of fees and interest to obtain the pawnshop, and pays the interest, fees, repayment and redemption to the pawnshop within the agreed time limit, which is about 3% per month.

house property mortgage

Real estate mortgage loan refers to the RMB loan that the borrower uses the purchased commodity housing as mortgage and loan service to meet various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration.

3. What are the process steps of Ping An Bank's real estate mortgage loan?

To apply for the real estate mortgage loan of Ping An Bank, you must first prepare the required information:

1. Copy of my and my spouse's ID card (original inspection);

2. Marriage certificate (if married);

3. account;

4. Proof of occupation and income (proof of official seal of the unit or copy of salary income account and check the original);

5. Proof of the ownership of the mortgaged property;

6. Collateral appraisal report issued by the appraisal institution established by Ping An Bank;

7. Proof of the purpose of the loan (the loan can only be used for the borrower and his family to buy houses, cars, house repairs, durable consumer goods and other purposes. It shall not be used for the following purposes and purposes: loan funds shall not enter the securities market or be used for equity investment in any form; Loan funds shall not be used for business activities prohibited or restricted by the state; Loan funds shall not be used for real estate project development. Foreigners' loans shall not be used to purchase non-self-occupied or non-self-occupied commercial houses).

II. Real Estate Mortgage Loan Process of Ping An Bank:

1. Customers apply for loans and submit materials;

2. The bank conducts due diligence and approval;

3. Sign a contract to complete the mortgage registration of operating property and pledge registration of accounts receivable;

4. Banks issue loans and conduct closed supervision over the income and expenditure of property management;

5. The customer repays the loan as agreed.

Excuse me, which bank can handle real estate mortgage loan, and what about Ping An Bank? ...

Unsafe, faster! Monthly income of 2000 can also be easily loaned, and Ping An Easy Loan Insurance can solve your financial problem! Welcome to call our account manager: Miss Tang18776722101(Nanning). Tips for Ping An Easy Loan Insurance: Application conditions: China nationality (excluding Hong Kong, Macao and Taiwan residents); Age 2 1-55 years old; Work or live in the place of application; Have a stable job with a monthly income of not less than 2000 yuan. The loan amount is 1- 1.5 million yuan. Fill in the application with a copy of ID card, a copy of house purchase contract, a copy of personal loan repayment records in the last three months, a personal residence certificate, a personal income certificate and a bank account in the last three months.

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