Sometimes we need to borrow to achieve our financial goals, and mortgages on property are a viable option. However, the way in which such loans are handled is a question for many. It is time to get to know the details。

What about the personal mortgage

First, we should clarify the purpose, amount and duration of the loan. Secondly, we have to prepare the necessary documents, such as identity cards, household records, income certificates, civil status certificates and property certificates. Once this information is available, loan banks send agencies to assess the mortgaged properties. All loan information is then submitted to the bank for approval. Once adopted, we need to carry out the notary and mortgage registration of the loan contract. Finally, the bank will open and lend us。

HOWEVER, WHEN APPLYING FOR MORTGAGES ON PROPERTY, WE NEED TO PAY ATTENTION TO A NUMBER OF MATTERS. FOR EXAMPLE, CREDIT CLEARANCE IS A VERY IMPORTANT STEP, AND BANKS EXAMINE BORROWERS ' OCCUPATIONS, TRADES, ACADEMIC QUALIFICATIONS, INCOME, CREDIT RECORDS AND PROPERTY, SO WE NEED TO FOCUS ON THIS. IN ADDITION, THE NECESSARY DOCUMENTS, SUCH AS OUR IDENTITY CARD, HOUSEHOLD REGISTER, MARRIAGE CERTIFICATE, VALID INCOME CERTIFICATE, ETC., NEED TO BE PREPARED. OF COURSE, THE ISSUE OF LOAN LINES ALSO REQUIRES OUR ATTENTION. IN GENERAL, THE MORTGAGE LINE IS 70%, WHICH DOES NOT EXCEED THE VALUE OF THE PROPERTY, AND, IN THE CASE OF A COMMERCIAL MORTGAGE, UP TO 50%。