Whether it is Fuzhou or other areas, the best way to get a mortgage is to go to a local bank, which is more formal. Generally home mortgages take 22-25 working days.
The conditions for a property mortgage are as follows:
A natural person aged 18-65 years old;
Have a proper occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;
No illegal acts;
Good credit, bad credit record;
Be able to provide the bank's recognized and valid rights pledge guarantee or can provide legal and effective property as collateral guarantee or a third party guarantee with solvency;
open a bank personal settlement account and agree that the bank debit the principal and interest of the loan from the personal settlement account designated by the bank;
the property right of the house is clear, and it meets the conditions of listing and trading as stipulated by the state;
the property can be circulated in the real estate market without any other mortgages;
The age of the house and the number of years of the loan application should not add up to more than 40 years;
The mortgaged house is not included in the local urban renovation and demolition plan, and has property and land certificates issued by real estate departments and land management departments;
Other conditions stipulated by the bank.
Property mortgage preparation information:
Original and photocopies of ID cards of the borrower and spouse;
Original and photocopies of the hukou book of the borrower's husband and wife;
Certificate of marital status;
original letter of the agreement on the purchase of a house;
Original and photocopies of receipts of prepayment of 30 percent or more of the price of the house;
Proof of income;
Bank current;
Proof of education;
Bank deposit slip;
Other proof of financial strength;
Developer's collection account number;
Other documents as specified by the bank.
Process of property mortgage:
Borrower opens a current deposit account in the bank;
Preparation of information required for the loan;
Interview with the bank;
Bank's filing and approval;
After the bank's approval, it notifies the borrower of the approval result and signs a loan contract with the borrower;
Go to the Building Committee for mortgage registration;
Construction Committee to issue the certificate of its rights;
Processing of insurance, notarization and other formalities, as appropriate;
Bank to transfer the loan directly to the account agreed in the contract;
Borrower to repay the principal and interest according to the provisions of the loan contract.