Beijing Tenghui Xinde Guarantee teaches you: How to mortgage the real estate license?
1, what is mortgage:
It refers to a credit method in which a borrower applies for a loan from a bank with his own or a third person's property as collateral for comprehensive consumption such as buying a car and buying a house, and the borrower repays the principal and interest to the bank in installments or at one time.
2. Lender's conditions:
First of all, the actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old; Secondly, there is a permanent residence in Beijing and a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; Third, willing and able to provide real estate mortgage recognized by the lender; Fourth, some people in real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.
4. Mortgaged property status:
Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; The house age (calculated from the date of completion of the house) shall not exceed 40 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
Four. Materials to be submitted by the Lender:
The materials that the borrower needs to provide are: ID card and household registration book; Personal income certificate (stamped with the official seal of the unit); Copy of the business license of the unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; The original and photocopy of the house ownership certificate and the original house purchase agreement; The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use.
Verb (abbreviation for verb) loan financing, term and interest rate:
The starting point of the real estate mortgage consumer loan is 5,000 yuan, and the maximum value does not exceed 70% of the mortgage real estate assessment value. Generally, the loan term does not exceed 5 years, and the longest loan term can reach 10 year. The loan interest rate shall be implemented according to the commercial loan interest rate stipulated by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis.
Time and cycle of loan processing with intransitive verbs;
The property that the customer wants to mortgage needs to be appraised by a qualified appraisal firm, and an appraisal report will be issued. The lawyer's conversation will be recorded by the appointed law firm. According to the qualification of the borrower, the amount of the loan applied for, the evaluation report and the lawyer's opinion, the bank determines the loan amount and loan period after examination, and the borrower can get the loan after registering with the real estate management bureau.
It takes about 10-30 days for customers to submit all relevant information to the bank for loan, depending on the mortgage registration time of the housing management department.
After mortgage registration, property owners, contractors and intermediaries can apply for bank loans when they are present!
Dealing with existing housing mortgage loans:
1, house property mortgage contract (signed by both husband and wife)
2. Real estate license
3. Copy of land use right certificate (original inspection)
4. Real estate appraisal report issued by appraisal agency (no more than 70% of the appraisal value).
5. Bank loan contract
6 proof of husband-wife relationship, copy of household registration book and ID card (original inspection), and single certificate issued by local civil affairs department.
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Second, how to mortgage bank loans with real estate licenses?
House mortgage:
Application conditions:
1, nature of the house; Houses, office buildings, villas, commercial houses, houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.
2. The mortgagor (normal age 18-65 years old) is in good health.
3. The Mortgagor has not participated in the credit investigation in recent 24 months.
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). )
5, the actual use of funds is clear.
Prepare information:
1, original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required).
2. Proof and copy of the borrower's marital status
3. Proof and photocopy of family property and car ownership, and other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate).
4. Statement of personal main bank account from June to1February (with official bank seal)
5, work unit income certificate
6. Proof materials such as family private lending articles.
7. Evaluation report
Process: submit materials → sign bank documents → house evaluation → bank approval → bank loan → mortgage registration → monthly repayment.
Third, how to mortgage loans with real estate licenses
Personal real estate license can apply for mortgage loan.
ID card, household registration book, income certificate, property title certificate (or old certificate is two certificates) all have spouse information, and they will accept it at the personal loan department of the bank.