The first category: used for daily consumption. In order to pay for consumption, mortgage the house to obtain funds, including house decoration, car purchase, study abroad, travel, and purchase of large durable goods. They are all personal daily consumption purposes.
The second category: used in enterprise management. The funds obtained by mortgage can be used for legal production and business activities such as purchasing or updating business equipment and paying the rent of leased business premises.
In addition, the purchase of commercial housing can not be paid in one lump sum, and it is feasible to pay the house price with the existing mortgage loan to a certain extent, and it is necessary to consult the loan officer.
Extended data:
Housing mortgage loan application materials:
1, real estate license (the real estate license and land certificate in mortgage bank loans must be mortgaged to the bank).
2. Identity cards of the obligee and his spouse.
3. Household register of the obligee and spouse.
4. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )。
5. If the property owner has minor children, please provide birth certificate.
6. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).
Baidu encyclopedia-house mortgage loan