It is inevitable that there will be times in life when you have to mortgage your house, such as business failure and bankruptcy. Or if the relatives around you are seriously ill, they will not hesitate to use the house mortgage for loans to treat their relatives. Of course, Bian Xiao wants everyone to have a good life. Some people use other warrants to mortgage loans to start businesses or invest in business. Considering that my house may be gone like this, I still choose to take a chance and mortgage the house. Such people are also very courageous. So, if you happen to need a lot of money, do you know how to use your land as collateral?

The other right of real estate refers to the rights of other groups or individuals except the property owner and the owner, usually refers to the mortgage, and the certificate of other right is held by the other right holder. Some people may ask, is there no land ownership certificate to mortgage the loan? Bian Xiao can only tell you that if you are just an ordinary working class or office worker and you need a lot of money, then you can only do so. General banks will only provide such unsecured services to large enterprises or profit-making projects.

First of all, how to handle the house ownership certificate? As shown in the figure below.

Materials to be submitted by the applicant:

? 1. Registration of other rights?

1, real estate mortgage application form; ? 2. Mortgagor's ID card; ? 3. Proof of marital relationship (marriage certificate or household registration book) or unmarried certificate; ? 4. Loan mortgage contract; ? 5. Real estate license and land use right certificate; ? 6, housing appraisal report or collateral value agreement; ? 7. If entrusted, the trustee shall provide his/her ID card and a legally binding power of attorney. ?

? 2. Other warrants are deregistered?

1, application form for cancellation of other rights; ? ? 2. The applicant's identity card; ? 3. Certificate of other rights; ? 4. Bank repayment certificate; ? 5. If entrusted, the trustee shall hold his ID card and provide a legally binding power of attorney.

After handling the certificate of other rights, the real estate license shall be temporarily retained by the mortgage registration department. The owner only has a copy of the purchase contract and the real estate license. After the loan is paid off, the bank can issue a settlement certificate and an application for cancellation of other rights, and then go to the mortgage registration department for real estate license.

Only after applying for other warrants can you qualify for mortgage. The value of real estate mortgage is the exchange value of mortgaged real estate, and the mortgagee (bank) has the right to control the exchange value of mortgaged real estate is the exchange price right, which converts mortgaged real estate into price or other value and gives priority to repayment of loans. In short, how much loan you can get is not determined by how much your house is worth, but how much you can sell it when you can't afford it. This is your loan amount. Do you understand now?

This article will briefly introduce it here first. Do you all know how to mortgage a loan with other land ownership certificates now? If you want to know more interesting content, please keep an eye on our website.