Nowadays, many friends will purchase a house through a mortgage loan when buying a house. For a mortgage loan, you need to mortgage your real estate certificate to the bank. In this way, you can successfully get a loan and buy your own house. So how do you get a mortgage loan with your real estate certificate? What procedures are required for a real estate certificate to be used as a mortgage loan? Let’s learn about the related matters of real estate certificate mortgage loan.

How to get a mortgage loan with a real estate certificate?

A real estate certificate loan is actually a real estate certificate mortgage loan. The real estate certificate serves as proof of property ownership. The borrower can mortgage it to obtain a loan to solve the shortage of funds. Conditions for applying for a loan based on real estate certificate:

1. The owner of the mortgage can be the borrower himself or another person. That is to say, even if the real estate certificate is not your own, you can apply for a mortgage loan using someone else’s house as long as you obtain the consent of others and have proof of mortgage agreement;

2. A natural person with full civil capacity can apply for a mortgage loan in The actual age on the loan maturity date is generally not more than 65 years old;

3. Have a permanent residence in the locality and a fixed residence;

4. Have a legitimate occupation and a stable source of income , have the ability to repay the principal and interest of the loan on time;

5. Someone in the real estate company recognizes its borrowing and guarantee behaviors and is willing to assume relevant legal responsibilities;

6. Age of the house ( The loan period (calculated from the date of completion of the house) shall not exceed 40 years;

7. The property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage;

8. The mortgaged house is not included in the local urban reconstruction and demolition plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department. Now comes the title and certificate.

What procedures are required to use a real estate certificate as a mortgage loan?

If you apply for a mortgage loan at a bank, it depends on the local mortgage department. In some cities, the mortgage department will take back the original property certificate and then issue a mortgage certificate to the bank until the repayment is due. Go to the mortgage department to release the mortgage and return the original document. In addition, some city mortgage departments will not collect the original property certificate, but they will mark in the remarks column of the original that the property has been mortgaged to a certain bank on such-and-such year, month and day, the amount of the debt, the original will be returned to you, and another certificate will be issued to bank.

If it is a private financing loan, the private financing creditor will usually take it to the mortgage department to handle the mortgage procedures before lending to you. The procedures are the same as those of banks. I believe that private financing loans will not only charge you If the real estate certificate is obtained without going through the mortgage registration procedures, and the real estate certificate can be reported as lost, if the real estate certificate is collected without going through the relevant registration procedures, it will not have priority to dispose of the set mortgage.

If you want to apply for a mortgage loan on a property, you must pay attention to the specific procedures and also pay attention to the specific details. The above is about how to obtain a mortgage loan with a real estate certificate and how to use the real estate certificate as a mortgage loan. Relevant introduction to what procedures are required. When applying for a loan, everyone should pay attention to the specific details and application procedures.