What is a mortgage loan? Property buyers fill in the mortgage loan application form to the loan bank, and provide ID cards, income certificates, house sales contracts, letters of guarantee and other documents that must be submitted. After passing the examination, the loan bank promises loans to the buyers, and handles the notarization of real estate mortgage registration according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Information needed for housing mortgage loan. Identification certificate (both husband and wife); Second, the marriage certificate; Third, the household registration book; 4. Proof of income and bank flow in the last six months; (or other proof of assets) 5. Real estate license; (or photocopy) 6. Proof of loan use; Seven, the payee's identity certificate and payee account number; 8. The latest real estate utility bill.
2. What does Xiamen real estate mortgage mean?
Housing mortgage loan refers to the borrower's use of his own real estate as collateral to apply for RMB secured loan for legal purposes from financial institutions, without transferring and occupying the collateral.
For example, Mr. Wang applied for a loan of 300,000 yuan from the bank and agreed to repay it after 10 years. The bank wants a loan, so Mr. Wang is required to mortgage the house as a guarantee, and the bank has the right to auction the house back. However, during the mortgage period, Mr. Wang Can will move in normally, which will not have any impact on his daily life.
Bank: creditor's right E799BE5BAA6E79FA5E98193E59E7ad94313336363536/mortgagee.
Mr. Wang: Debtor/Creditor
Mortgage characteristics of mortgaged houses:
The mortgagee does not need to actually possess and control the mortgaged house, but only needs to register the mortgage, that is to say, when the seller sells the house, even if he actually lives in the house, he will pledge it to a third party.
Both parties can freely agree on the mortgage amount of the house, the time, conditions and methods for the mortgagee to realize the mortgage right, etc. In a word, both parties have sufficient space to freely agree on the mortgage of the house.
The mortgagor can occupy the mortgaged house, rent the house for profit, etc.
The debtor can mortgage his own house or other people's house, and the same house can be mortgaged several times.
If the house is transferred or donated to others, it must be approved by the mortgagee, otherwise the punishment will be invalid, unless the transferee of the house is willing to pay off the debts he has undertaken on his behalf, and there are justified reasons not to pay off on his behalf; On the contrary, if the mortgagor wants to take others away, he only needs to inform the mortgagor and does not need his consent.
3. What does Xiamen real estate mortgage mean?
Housing mortgage loan refers to the borrower's application for RMB secured loan for legal purposes from financial institutions with real estate under his own or others' name as collateral. It is a guarantee method that does not require the transfer of collateral. For example, Mr. Wang applied for a loan of 300,000 yuan from the bank and agreed to repay it after 10 years. The bank wanted to lend him money, but worried that Mr. Wang would not pay it back, so he let Mr. Wang mortgage the house as a guarantee. In case Mr. Wang is unable to pay back the money in the future, the bank has the right to auction the house back. However, during the mortgage period, Mr. Wang Can will move in normally, which will not have any impact on his daily life. Bank: Creditor/Mortgagee Mr. Wang: Debtor/Mortgagor/Owner Mortgaged House Features: Mortgagee does not need to actually possess or control the mortgaged house, but only needs to register the mortgage. That is to say, when the seller sells the house, even if he actually lives in the house, the house may have been mortgaged to a third party. Both parties can freely agree on the term of mortgage, the specific amount of secured creditor's rights, the time, conditions and methods for the mortgagee to realize the mortgage right, etc. In a word, both parties have sufficient space for free agreement on house mortgage. The mortgagor still enjoys full rights to the mortgaged house, for example, he can occupy and use the house and rent the house for profit. The debtor can mortgage his own house or other people's house, and the same house can be mortgaged several times. After the house is mortgaged, if the owner wants to transfer or give the house to others, he needs to obtain the consent of the mortgagee, otherwise the punishment will be invalid, unless the transferee of the house is willing to pay off the debts of the mortgagor on his behalf, and the mortgagor shall not refuse to pay off the debts of the transferee on his behalf without justifiable reasons; On the contrary, if the mortgagor wants to transfer his mortgage to others, he only needs to inform the mortgagor and does not need his consent.