what should I pay attention to when housing is mortgaged to individuals?
1. People in the real estate department pointed out that with the increasingly frequent economic activities of citizens, there are more and more cases of mortgage with house property certificates, and the incidents of making fake property certificates also increase. Therefore, when people borrow money from themselves with house property certificates, they must go to the real estate department to check the real estate files first.
2. The masses should take good care of their real estate licenses, ID cards and other documents, and don't easily disclose important personal information to prevent theft and cloning; When you lend money to others, you should not be tempted by high profits, and you should not easily sign a loan contract based on the certificate of housing property rights and the suspect's one-sided statement. You should go to the door to understand the owner's situation according to the address on the real estate license, and at the same time verify the authenticity of the real estate license and whether the borrower is the real estate owner.
3. Bank loan officers should strengthen the pre-lending investigation, especially strictly examine the true identity of the lender, and check not only the name, gender, nationality, date of birth, address, citizen ID card and other items, but also photos.
what is the process of personal housing mortgage?
1. The mortgage loan of the house needs to be prepared with all materials, including the husband and wife's ID card, household registration, marriage certificate, real estate license, house purchase contract or personal account's bank statement for the past six months.
2. When the house is mortgaged, the bank will review the borrower's loan application, house purchase contract, agreement and relevant materials. The borrower submits the certificate of title and insurance policy or securities of the mortgaged property to the bank for custody. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.
3. After the contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the house selling unit or building unit specified in the house purchase contract or agreement.
4. husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or evidence, and bank statement of personal account for nearly half a year. Mortgage registration procedures, the bank shall go through the mortgage registration procedures with the housing ownership certificate and the notarized loan contract to the housing management department.
to sum up, this article mainly talks about what should be paid attention to when mortgage a house to an individual, and what is the relevant content of the process of mortgage a house to an individual. We see that there are too many problems that need to be paid attention to when we mortgage our own house to an individual, and we should pay more attention to these things. If we can handle it in a bank, we should try not to mortgage the house to an individual.