Legal analysis: Yes. Housing mortgage loans shall provide the following information according to the life of housing mortgage loans; 2. Evaluation report; 3. The ID card of the pledgor (kept together with the original to check its relevant materials.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 397 Where a house is mortgaged, the house shall be mortgaged. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together. Property not mortgaged in advance by the mortgagor shall be deemed to be mortgaged together.
Article 401 The mortgagee and the mortgagor agreed that when the debtor fails to perform due debts, if the mortgaged property belongs to the creditor, it can only be paid in priority according to law.
2. Can retirees apply for mortgage loans with real estate licenses?
Landlord, you can apply for a loan as long as you meet the requirements:
1, the property right of the house is clear, and all legal owners agree to mortgage it;
2. At present, the house is unsecured and has no other debts;
3. Housing owners who meet the above conditions can apply for mortgage loans at the bank with their ID cards and real estate licenses, fill in the application materials, and approve the loans after being audited by the bank. Note that different loan purposes will have different loan restrictions.
Third, can you still make a mortgage after retirement?
Legal analysis: Yes. Housing mortgage loans can be loaned to 69 years old according to age. Mortgage loan requires the following documents: 1, house ownership certificate; 2. Evaluation report; 3. Real estate mortgage bank loan contract; 4. Mortgagor's ID card (leave an ID card that is verified with the original); 5. Other relevant materials.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 397 Where a building is mortgaged, the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together. If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage.
Article 401 The mortgagee and the mortgagor agreed that when the debtor fails to perform due debts, if the mortgaged property belongs to the creditor, it can only be paid in priority according to law.
4. Can retirees mortgage loans with real estate?
You can get your property back. Now the real estate license can be returned to you after the bank mortgage loan. When the bank helped you with the mortgage loan, it had already registered with the Housing Authority. Your real estate certificate will indicate that your house has been mortgaged to the bank.