Where the application for registration of real estate mortgage with exclusive parcels is made, the applicant shall be both parties to the mortgage contract.
To apply for real estate mortgage registration, the following conditions must be met:
1, application;
2, the applicant's identity certificate (check the original and copy);
3. Property ownership certificate, land use certificate or real estate license (original temporary storage);
4. The main contract of mortgage guarantee;
5. Mortgage contract.
When purchasing a general house, when choosing a mortgage loan, there will be a record of his other rights on the house ownership certificate, indicating the owner of his other rights and the type of rights (such as mortgage and pledge). ), the scope of the right (the housing scope of his right), the value of the right (the rental price of his right), the term of the right (the lease term), and the cancellation date (the date when his right disappears).
According to the relevant laws and regulations, the mortgage of real estate means that the right to dispose of real estate is restricted, and legal transactions cannot be conducted without the consent of the mortgagee, and relevant procedures such as property transfer cannot be handled.
"Housing Registration Measures" Article 46 To apply for mortgage change registration, the following materials shall be submitted:
(1) Application for registration;
(2) the identity certificate of the applicant;
(3) Certificate of ownership of the house;
(four) a written agreement between the mortgagor and the mortgagee to change the mortgage right;
(5) Other necessary materials.
Where the name of the mortgagor changes, or the street and house number where the mortgaged house is located changes, it is not necessary to submit the materials in Item (4) of the preceding paragraph.
Where an application for mortgage change registration is made due to the change of the amount of secured creditor's rights, the written consent documents of other mortgagees shall also be submitted.
Article 49 To apply for cancellation of mortgage registration, the following materials shall be submitted:
(1) Application for registration;
(2) the identity certificate of the applicant;
(3) Certificate of ownership of the house;
(four) materials to prove the destruction of housing mortgages;
(5) Other necessary materials.