Mortgage loans need to bring ID cards, household registration books, marriage certificates, purchase contracts, housing-related property certificates and other materials to the housing management department to submit applications, and developers will handle the initial registration of property rights in the housing management bureau; The housing management department surveys the property, issues a receipt, pays taxes according to the date indicated in the receipt, obtains the real estate license in about 15 working days, and handles the mortgage registration of the real estate license.

Thirtieth Measures for the Administration of Urban Real Estate Mortgage

Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go through the real estate mortgage registration at the real estate management department where the real estate is located.

Article 61 of the Urban Real Estate Management Law

When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. Unless otherwise provided by law, it shall be handled in accordance with relevant laws.

Article 2 10 of the Civil Code

Real estate registration shall be handled by the registration authority where the real estate is located. Implement a unified national real estate registration system. The scope, organization and mode of unified registration shall be stipulated by laws and administrative regulations.

How to handle the mortgage of real estate license loan

1. The process of handling real estate mortgage loan is as follows:

(1) Application materials such as identity information and real estate information required by the applicant to prepare the real estate mortgage loan;

(2) Banks accept loans;

(3) The appraisal company evaluates the collateral;

(4) The bank conducts evidence collection and approval according to the information provided by customers and the real estate appraisal report.

How to apply for mortgage loan with real estate license?

Mortgage loan procedures for real estate license:

1. loan application: the borrower proposes the purpose, amount and time of the loan;

2. Preparation for loan application: The borrower and the mortgagor shall prepare all the documents required for loan application as required;

3. Housing evaluation (or survey): relevant institutions conduct on-the-spot survey, evaluation (survey) and evaluation of mortgaged houses;

4. Apply for loans: submit all loan applications together with evaluation reports or survey opinions to the bank for approval;

5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;

6. Mortgage registration procedures: the bank holds the house ownership certificate and loan contract to the property right office for mortgage registration;

7. Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).

If the real estate license registrant is himself or her spouse, the following materials shall be provided:

1. Hold an ID card;

2. Household registration book;

3. Marriage certificate;

4. Real estate license;

5. Deed tax certificate;

6. Land certificate;

7. proof of income;

8. Proof of capital flow.

The two went to the local bank to consult and apply for a housing mortgage loan, provided that the housing loan was paid off and there was no mortgage.

Personal housing mortgage loan means that the applicant applies for a loan from the bank with his own housing property rights as collateral, and the loan funds can be used for personal consumption and operation.

I. Term of the loan

3,5, 10, 15, 20-year system

Second, the loan approval

It takes more than 20 working days

Third, the basic conditions

1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank;

Fourth, the loan procedure.

1. The lender entrusts the Company to handle the loan procedures and submit the corresponding materials required for the loan;

2 for mortgage, pledge, pledge evaluation report;

3. Submit the loan application form to the loan bank, sign loan contracts and various agreements, and go through notarization and insurance procedures;

4. Bank approval;

5. The real estate bureau shall register the mortgage and handle his right certificate;

6. The bank confirms and issues loans.

Baidu encyclopedia-personal housing mortgage loan

How to mortgage the real estate license

As we all know, having a real estate license may not be able to borrow from a bank, but it is also necessary to meet the conditions required for a real estate license loan in order to successfully borrow. So, what are the application conditions for real estate license mortgage loan? How to mortgage the real estate license? I believe this is a problem that everyone cares about. Below I will answer these two questions for you.

How to mortgage the real estate license

1. Preparation of relevant materials: Before the loan, the borrower needs to prepare relevant materials from the bank, such as ID card, household registration book, marriage certificate, real estate license, house purchase contract, etc.

2. Bank running bills: In addition to the mortgage of real estate licenses, banks also require borrowers to have good credit and economic strength in order to avoid risks, so banks will require borrowers to provide bank running bills for nearly six months.

3. Apply for a loan from the bank: The mortgage loan amount is generally more than 5,000 yuan, and the property value is less than 70%. The loan term is 5-30 years, and two repayment methods are adopted: matching principal and interest and average capital. Borrowers can choose according to their own economic situation.

4. Bank review of mortgage: After applying for mortgage, the bank will review the qualifications of the borrower.

5. After the approval of the bank, go through the relevant formalities: after the bank agrees to issue the loan, the borrower shall go through the mortgage registration with the relevant personnel of the bank in the housing management department.

6. The bank obtains the real estate license and lends money: after the above procedures are completed, the bank lends money to the borrower.

What are the application conditions for real estate license mortgage loan?

1, a natural person with full capacity for civil conduct, aged between 18 and 65 years old; Foreigners and residents of Hong Kong, Macao and Taiwan should have lived in China for one year and have a fixed residence and occupation;

2. Have legal identity certificate, household registration certificate and marital status certificate;

3. Have a good credit record and willingness to repay;

4. Have a stable source of income and the ability to repay loans on time;

5. Being able to provide housing mortgage loans approved by banks;

6. Open a personal settlement account in a bank;

7. Other conditions stipulated by the bank.

Editor's summary: After reading the above introduction, I believe that everyone has a further understanding of how the real estate license is mortgaged and the application conditions of the real estate license mortgage loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

How to apply for mortgage loan?

The detailed process of housing mortgage loan is as follows: 1. The applicant provides information to the lending institution; 2. Investigate the applicant and estimate the value of the collateral; 3. The lending institution initially sets the loan amount; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities, and the mortgage institution lends money. Mo Long is recommended as the mortgage loan, and the unsecured loan can be extended as soon as 1 day. Apartment stores can also apply, and they can be postponed for 2 hours at the earliest, without mortgage loans, which is worth choosing. Submit the required documents. House inspection and evaluation. Evaluate according to the location, floor, area and orientation of the collateral. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval. Mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.