The mortgage loan process of Hongben Real Estate is as follows: 1. Loan application: the purpose, amount and duration of the loan. 2. Loan materials: the borrower's ID card (spouse's ID card), household registration book, marital status, income, use certificate and house ownership certificate. 3. Appraisal photos: field survey and appraisal of mortgaged houses by relevant institutions. 4. Approval: all loan application materials and evaluation reports or comments. Loan notarization: After the borrower and the mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary. 6. Mortgage registration: The bank shall go through the mortgage registration formalities at the property right office with the house ownership certificate and notarized loan contract. 7. Bank Lending: The borrower opens a repayment account and the bank lends money to the account. These are some basic operations of Shenzhen Hongben mortgage loan. Mortgage loan operations are mostly similar. I hope I can help you. I hope it can be adopted.

2. What is the mortgage loan process of Shenzhen Hongben Real Estate?

Simply put, it is to evaluate the real estate situation and the applicant's comprehensive conditions first, then match the appropriate institutional products according to the applicant's conditions, and then prepare the application materials according to the requirements of relevant institutions.

3. What is the specific process of Shenzhen Hongben real estate mortgage loan?

Real estate mortgage loan process:

The borrower opens an account in a bank.

Information required for preparing loans;

Face to face bank;

Bank filing and approval;

After the approval of the bank, notify the borrower to sign the contract;

Go to the Construction Committee for mortgage registration;

Construction Committee issued his right certificate;

Handle insurance, notarization and other formalities as appropriate;

The bank directly transfers the loan to the contract.

The borrower repays the principal according to the loan contract.

Fourth, how is the mortgage loan in Shenzhen made, red rush to the house?

First submit the application to the bank → prepare the basic information → the bank accepts the application → find the relevant company for asset audit → the bank accepts the information, gives the quota → handle the pressure and sign the contract.

Tell me the difference between a bank and a company again. From the following two directions.

First, the interest is low. Many banks and small loan companies can achieve 3.98%. As long as the red book is in hand, banks may be slower, taking 15-30 days, and small loans are fast and slow, which is roughly 1- 15 days. There are also mortgage loans, and some will buy wealth management products and deposits. The specific details are unknown and they are afraid of being beaten. You can trust Zhihu privately if you want to know.

Second, it is fast. Mainly small loan companies, the red book is in hand, and you can even mortgage it on the same day, directly review it, and then lend money. The speed is 1-3, and the speed rarely exceeds fifteen days. But relatively speaking, the interest will generally be a little higher than that of banks.

3. liquidated damages for prepayment. Most financial institutions have liquidated damages for early repayment. Some banks can repay in advance after one year, while others can't. Some institutions also have prepayment without penalty interest.

Fourth, the repayment method. There are various repayment methods in the market. Interest comes first, and the capital utilization rate is relatively high. Take half a year as an example. Interest is paid in the first five months and the principal and interest are paid in the last month. Matching principal and interest is also very common, that is, the interest principal exchanged every month is basically the same. In the average capital, the repayment pressure in the early stage is relatively high, and the more repayment in the later stage, the less principal and the less interest. Under the same fixed number of years, the total interest is less than the equal principal and interest.