Housing conditions of housing mortgage loan:

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;

3. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.

Housing mortgage loan application conditions:

1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

Extended data

Matters needing attention in handling real estate mortgage loan:

1. The property mortgage needs to be the property in the borrower's name. If it is owned by a third party, a statement that someone agrees to the mortgage loan must be issued at the time of mortgage;

2. In the marriage certificate provided, if there is a divorce, a divorce agreement or a court judgment is required; If you are single after divorce, you need to provide proof that you have not remarried after divorce;

It is necessary to clarify the purpose of the loan. Just because the use of the money obtained from the bank mortgage loan is restricted by the bank does not mean that you can use the money as you like with the mortgage of the real estate;

The law clearly stipulates that the money obtained from mortgage loans shall not be used for investment purposes such as stock trading and real estate speculation, and the funds shall be earmarked for special purposes. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumption projects;

And this money is supervised by banks and regulators. If it is found that the money allocated by this mortgage loan has been used for other purposes, the bank has the right to recover the loan at any time.

It is impossible to apply for a mortgage loan for a house that has not paid off the loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again.

5. Small property houses have no mortgage trading right. This is because small property houses have no property rights and may be eliminated under the policy of land use planning, so financial institutions will not mortgage such properties.

6. Like ordinary loans, housing mortgage loans will be greatly restricted by personal credit. In other words, personal credit record is an effective expression of past repayment willingness feedback. If there are some bad aspects in personal records, even if the house itself is qualified, it is difficult to get bank funding.

Baidu encyclopedia-housing mortgage loan

Baidu encyclopedia-mortgage real estate loan