Only when children have the right to dispose of property can they mortgage property. If it is necessary to apply for personal consumption loan, the collateral should meet the following conditions: 1, the borrower has legal and complete ownership, the mortgaged property (including housing and commercial premises) that meets the requirements of the Guarantee Law, the farmers' housing property rights that meet the requirements of the Measures for the Administration of Mortgage Loans for Farmers' Housing Property Rights of China Bank, and it has not been mortgaged to other creditors (it has been mortgaged to China Bank according to the previous loan contract, except that it should be handled by the original agency). 2. When applying for a personal consumption loan with collateral owned by a third party or shared by the borrower and a third party, the owner of the collateral or the same owner must present his valid identity certificate to the Bank of China to sign all relevant documents in person. If there are * * * shares, the applicant shall provide proof of ownership and indicate its share; For those owned by * * * and * * *, the applicant shall provide other written documents unanimously declared by * * *. 3. Commercial houses used as collateral must have independent property rights and can be disposed of separately (please refer to local BOC outlets for specific standards). 4. If the borrower has multiple mortgages, he can apply for one mortgage revolving line or multiple mortgage revolving lines respectively, but multiple mortgage revolving lines cannot use the same mortgage.
legal ground
Article 395 Scope of Collateral of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
Can children mortgage loans with their parents' real estate licenses?
Children can't mortgage loans with their parents' real estate licenses, and only property owners can have the right to dispose of their property rights.
According to Article 34 of the Guarantee Law of People's Republic of China (PRC), the following properties can be mortgaged:
(1) Houses and other things fixed on the ground owned by the mortgagor;
(2) Machines, means of transport and other property owned by the mortgagor;
(three) the right to use state-owned land, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law;
(4) State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law;
(five) the land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer;
(six) other property that can be mortgaged according to law.
The mortgagor may mortgage the property listed in the preceding paragraph together.
Extended data:
Article 37 of the Guarantee Law of People's Republic of China (PRC) * * * The following properties shall not be mortgaged:
(1) Land ownership:
(2) The right to use collectively-owned land, such as cultivated land, homestead, private plots and private hills, except as provided for in Item 5 of Article 34 and Paragraph 3 of Article 36 of this Law;
(3) Educational facilities, medical and health facilities and other public welfare facilities of schools, kindergartens, hospitals and other institutions and social organizations;
(4) Property whose ownership and use right are unknown or controversial;
(5) Property that has been sealed up, detained or supervised according to law;
(six) other property that may not be mortgaged according to law.