The legal relationship of the mortgage we currently use is that the buyer pays a certain percentage of the house price to the seller, and the rest is paid in installments. After the buyer pays all the money and interest, he can get the real estate license. However, if the buyer defaults during the mortgage period, or fails to pay back the money on time, the mortgaged house will have the right to dispose of it.
Generally, the object of mortgage is a natural person with full capacity for civil conduct, and the following provisions are required:
1, with urban permanent residence or valid residence status.
2. Have a certain credit foundation, have a stable job and income at the same time, and have the ability to repay on time.
3. When making a lucky payment, the payment amount shall not be less than 20% of the total amount (not enjoying the house purchase subsidy).
4. Units and individuals with assets as collateral (subject to bank confirmation) or sufficient compensation and repayment ability.
5. There is a purchase contract and agreement, and the house price basically conforms to the evaluation value of the real estate appraisal agency.
Property buyers need to show various certificates when handling mortgage, which generally include:
1, resident ID card, household registration book and other residence certificates.
2. Eligible approval documents such as letter of intent for house purchase.
3. List of collateral, with ownership certificate and collateral certificate attached.
4, the guarantor's written guarantee documents and credit certificate.
Mortgage is risky for both parties, especially for property buyers, mainly due to lack of professional knowledge. Developers' development procedures may be illegal, and property buyers can't get real estate licenses. In the process of construction, developers may cut corners, resulting in substandard housing quality. Buyers can't predict and control the auction of collateral by developers, so they can't get all the rights of the house.
Because the legal procedures of mortgage are complicated, buyers can hire professional real estate lawyers to help them in order to insure themselves and safeguard their rights and interests. Of course, developers already have their own legal advisers. So this condition is also more important.
Editor: The simple conditions of housing loan are almost these, of course, the specific operation may be more complicated. As the most common way to buy a house, mortgage to buy a house is increasingly welcomed by the younger generation. Of course, there are good and bad, and the pros and cons need to be grasped by ourselves.
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