You want to know how to handle personal mortgages? Its trick is to use your property as collateral, so that your loan approval rate will be higher, and the amount and speed of the loan may increase. But you might want to know how to start

How can I borrow a mortgage

First, to confirm your property information, to ensure that you have a certificate of ownership and the relevant formalities, and that your property is not mortgaged or seized by other banks. Then you need to contact an evaluator at a bank or a loan institution to assess the value of your property so that they can determine the amount of money you can lend。

The necessary loan applications are then prepared at the request of the lending institution. These materials typically include your identity card, your property certificate, your income certificate and your personal letter report. Then you need to submit these materials to a bank or loan institution and fill out the relevant loan application form。

The last step is bank audit and face-marking. The bank will conduct a detailed review of all the material you have submitted and may request additional information during the review. If your application is granted, the bank will arrange for a face-to-face link and you will sign a loan contract with the bank。

Please note, however, that before applying for a loan, you should confirm whether your house is available for mortgages to ensure that your income is stable, your creditworthiness is good and your ability to repay. Creditors with poor creditworthiness and late repayment records may not be successful in applying for mortgages. In addition, it should be noted that the bank offers two main repayments, the repayment of the principal equivalent and the repayment of the principal equivalent, and that you can choose the most appropriate form of repayment according to your circumstances。