Commercial villas can be mortgaged, and commercial villas also have a certain mortgage value, but whether or not they can be mortgaged and how much they can be mortgaged should be measured by banks. Commercial villa banks with bad location or hard to sell may not be willing to take it. After all, commercial villas are not like residential villas. Specifically, you can bring your own real estate license to the bank for consultation. Commercial villas are a bit special, and different banks may also have differences.

What should I pay attention to in 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. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, and consumers should pay attention to policy risks.

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.

What materials should be provided for house mortgage?

I. Information required for mortgage of existing real estate

1, real estate mortgage contract (signed by both husband and wife);

2. Real estate license;

3. Copy of land use right certificate (original inspection);

4. A real estate appraisal report issued by a qualified appraisal agency;

5. Bank loan contract;

6. Proof of the relationship between husband and wife and a copy of the ID cards of both parties (original inspection), and a certificate issued by the civil affairs department where the household registration is located for singles.

Second, the information required for the mortgage of the forward house property

1. Purchase pre-sale contract;

2. Sign a house purchase loan contract with the bank;

3. Copy of the house purchase prepayment receipt (original inspection);

4. A copy of the marriage certificate of husband and wife (original inspection) and a single certificate issued by the civil affairs department where the household registration is located;