economic development, life is more diverse, naturally have a lot of friends would encounter such problems in their daily lives, in the face of consumption of large powerless, using mortgage funding channels
to solve the problem is still a suitable approach to mortgage that you share how to do it? Check back here with me!
how the mortgage note are:
1. must have collateral to loans, and the loan amount and loan interest cannot exceed the collateral valuation during 1/2;
2. long-term and stable sources of revenue sufficient to pay the monthly principal and interest;
loan the information required:
1. valid ID cards, co-owner of the borrower;
2. marital status unmarried provide unmarried requirements permit, divorce required certificate of court civil mediation or divorce certificate (specify did not remarry after divorce);
3. married to provide effective ID card, residence booklet and marriage certificate for spouse;
4. borrower's income (half a year's salary certificate or certificates of tax payments in a row local);
5. housing title certificate;
6. guarantor (need to provide ID card, residence booklet, open (not) such as marriage licenses)
will need to pay a lawyer witness fee, mortgage registration fees, mortgage insurance, property assessment, etc.
general purpose loans down to about 1 month process:
1. loan application to the Bank,
2. Bank accepted, to assess the value of the mortgaged property, according to the estimate approved loan amount;
3. Signing the loan contract;
4. register with the real estate mortgage;
This can be seen, mortgage loan procedure is relatively simple, fast loan, but the premise must be secured, if your situation meets how to explain mortgage and need a loan, You can refer to.