Changsha Mortgage Company was established in 2014, focusing on Changsha local loans, is the largest loan service platform in Changsha, mainly engaged in real estate mortgages, housing mortgages, provident fund loans, car mortgages and mortgage loans, real estate second mortgages, local personal loans, corporate mortgages, state-owned enterprise loans, small loans, etc., professional solutions to all kinds of incurable diseases, professional team, professional operation, for you to easily solve the problem of urgent money, sincere service for you, welcome you to inquire.
Changsha Property Mortgage Steps:
Step 1: Before taking out a loan, the borrower needs to provide the bank with an ID card, household registration booklet, marriage certificate, real estate certificate, purchase contract or receipt. It is advisable to provide as much proof of the loan as possible for faster loan review and larger loan amounts.
Step 2: The bank reviews the borrower's loan application, purchase contract, agreement and related documents.
Step 3: The borrower hands over the title certificate, insurance policy, and marketable securities of the mortgaged real estate to the bank.
Step 4: The guarantor of both parties to the loan signs the housing loan contract for notarization.
Step 5: After the notarization of the loan contract is signed, the bank will include the lender's deposit and loan transfer methods in the purchase contract or the sales company or housing company of the contract.
Changsha Housing Mortgage Four Formal Lending Institutions:
Changsha Housing Mortgage Agency 1: Bank.
At present, most commercial banks can handle housing mortgage loans, but the premise is that the house must meet the mortgage conditions, and the property in the mortgage state generally cannot be used for mortgage loans, which is worth noting.
Changsha Housing Mortgage Agency II: Loan Company.
Although banks can apply for home mortgages, not everyone can do so, and if you have poor repayment ability or tainted credit, even if you have a property as collateral, you are very likely to be rejected by the bank, so you can consider a loan company.
Changsha Housing Mortgage Agency III: Pawnshop.
In addition to the loan company, the pawnshop also carries out the business of housing mortgage loans, and the loan conditions are more lenient than the loan company, and the borrower can obtain a loan if the property provided by the borrower meets the requirements and the procedures are complete.
Changsha Housing Mortgage Agency 4: Guarantee Company.
In addition to the above three methods, a guarantee company can also be used, but the borrower needs to pay a certain amount of guarantee fee to apply for a loan through a guarantee company.
