The existence of pre-mortgage means that the purchaser signs a purchase contract with the developer and a loan contract with the bank when buying a house, and immediately generates a pre-mortgage registration in the Housing Authority. Because it is an undelivered auction house, it can't apply for mortgage registration, but can only apply for pre-mortgage registration, which is a means for banks to protect mortgages. Generally speaking, pre-mortgage refers to the pre-mortgage registration system, that is, the pre-mortgage registration formed on the filing system of the Housing Authority in order to exclude the third party from exercising power over the property when the buyer signs a purchase contract with the developer or a loan contract with the bank. Registration before mortgage can protect the rights and interests of buyers and sellers. There are several procedures for pre-mortgage of real estate: 1, applying as a lender; 2. Bank approval; 3. It is necessary to purchase the insurance of the mortgaged house at the place designated by the loan bank; 4. Take a series of documents and a third-party guarantor to the loan bank to sign a mortgage contract, and go to the real estate ownership department for mortgage in time; The loan bank will transfer the money to the applicant. What materials are required for real estate mortgage registration: 1, copy of business license; 2. The identity certificate or legal representative certificate of the mortgagor; 3. If it is handled by an agent, there shall be a power of attorney from the legal representative or the party concerned; 4. Loan contract (master contract); 5. Mortgage contract; 6. Proof of property right of collateral (including "State-owned Land Use Right Certificate" and "House Ownership Certificate"); 7. If the collateral belongs to a joint venture or joint-stock company, there shall be a resolution of the board of directors agreeing to mortgage; 8. If the mortgage is repeated, a written document of the original mortgagee's consent to mortgage again shall be provided; 9. If * * * has real estate mortgage, all written documents agreed by * * * shall be provided; 10. The mortgagor shall have written documents to prove that the collateral provided by him is free from legal defects; 1 1. Other legal documents related to mortgage.
Second, what do you mean by pre-mortgaged house?
I want to use my house as collateral. Or use the house as collateral.
Three, what is the pre-purchased commercial housing loan mortgage?
It refers to the behavior that after the purchaser pays the house price specified in the first installment, the loan financial institution pays the remaining house price on his behalf, and mortgages the purchased commercial house to the loan bank as a loan repayment guarantee.