Housing mortgage loan conditions

(1) The mortgaged property must have complete three certificates and the service life of the house is within 20 years.

② Strong liquidity.

③ The mortgaged real estate area is not less than 50 square meters.

(4) The term of the new house purchase loan shall not exceed 20 years if it does not exceed the mortgage.

⑤ The general mortgage loan amount is increased by 50 ~ 7% of the real estate appraisal price).

⑥ Generally, the mortgage loan period of a few banks and customers can be as long as 30 years, but after the loan is over, the borrower's age is no more than 65 for men and no more than 60 for women).

Housing mortgage loan tightening

In order to rectify illegal consumer loans, many small banks suspended personal housing mortgage consumer loans. In February, CITIC Bank suspended the housing mortgage loan business of more than 2 million yuan in Beijing. In fact, since last year, consumer loans have been prohibited from entering the property market in violation of regulations from the central government to local governments. On the one hand, banks actively contracted the regulation of the property market, on the other hand, after examining the current market, they avoided the impact of the downturn in the property market.

Housing mortgage loan ceiling

The mortgage rate of commercial housing can reach up to 80%.

The mortgage rate of office buildings and shops can reach up to 60%.

The mortgage rate of industrial plants can reach up to 50%.

Maximum term of housing mortgage loan

The term of housing mortgage loan varies according to the purpose of the loan. If the borrower uses it within 65,438+00 years, the benchmark interest rate will generally be implemented or it will rise by 65,438+00%. If the loan term is less than 5 years (because of the high risk of borrowing), depending on the bank policy and the borrower's qualification, the interest rate will rise by more than 20% on the basis of the benchmark interest rate; If the borrower is used to purchase commercial housing, the loan period can be up to 30 years, and the interest rate does not exceed the loan.

2. Can individuals mortgage loans with land certificates?

Theoretically, it is possible.

However, according to the specific situation, many banks still refuse to accept this business, which can only prove your repayment ability relatively. The use of land use certificate loans needs to meet three conditions: first, the loan period can not be less than the property right use period; Second, there are no other debt problems; Third, it conforms to the local land policy.

Three. Details of personal housing mortgage loan

1, the borrower's age plus the loan period shall not exceed 60 years old;

2. Have a serious job and a stable income, and have the ability to repay the principal and interest on time;

3. Mortgaged houses must have clear property rights, conform to state regulations and be able to be listed and traded;

The mortgaged house can be the borrower's own or someone else's. Using someone else's house as a mortgage requires the written commitment of the owner to agree to the mortgage and the signature of the mortgagor and the mortgagor.

5. It can provide the property recognized by the lending institution as collateral, and some people agree to sign the house and are willing to bear legal responsibility;

6. The house has the real estate license and land certificate issued by the housing management office and the land management department.

Four. Details of personal housing mortgage loan

Housing mortgage loan conditions:

The room age is less than 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.

General real estate mortgage loans need to be handled by professional real estate guarantee companies, and real estate mortgage loans have become an important means of personal real estate financing for residents.

Borrowing money through mortgage loans can meet temporary consumption needs and even business needs, so as to revitalize the real estate held by residents. Among various financing channels, real estate mortgage is still one of the lowest cost ways.

According to the data provided by Anjia Shiyin Guarantee Co., Ltd., the first wholly foreign-owned real estate guarantee company in China, nearly 30% of real estate mortgage loans are used to buy houses again, and other uses account for a relatively high proportion: business use, car purchase, study abroad, decoration and purchase of bulk consumer goods.

Extended data:

Process:

Suitable for banks and other financial institutions.

1. Borrower's pre-loan consultation: Fill in the Application for Mortgage of Residential Houses and submit the following supporting documents from the bank: the borrower's fixed income certificate issued by the borrower's unit, the loan guarantor's business license and legal person certificate and other credit documents.

Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate, contracts, agreements or other supporting documents for the purchase and construction of houses, and other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.