Copies of real estate certificates cannot be used for loans.
Information that must be provided for real estate certificate loans:
1. Establishment registration application form;
2. Original copy of "House Ownership Certificate";
3. Real estate mortgage contract;
4. Main creditor's rights contract (generally referred to as loan contract);
5. Copy of "State-owned Land Use Certificate" (original verification);
6. Identity certificates of both parties to the mortgage.
The location of household registration refers to the area where a Chinese citizen’s household registration is located. The location of household registration is a unique concept in China and has Chinese management characteristics. The place of household registration refers to the place where the household registration book of residents in my country is registered. It generally refers to the place where the parents' household registration was registered at the time of birth. "Household registration" is generally the place where you were born and where you received your birth address. Unless for special reasons, the household registration should be changed from your father or mother, that is, the location of your household registration, no matter where you go to live in any place other than the place of household registration in the future. , as long as you do not change your household registration for a day, your household registration will never change. "Territory" refers to the place where you currently live.
The household registration system in mainland my country divides citizens into agricultural household registrations and non-agricultural household registrations. Education, employment, social security, residence, etc. are all linked to household registrations, and the regulations for the two types of household registrations are treated differently. The public security department is drafting the Household Registration Law and is preparing to submit it to the National People's Congress, which is expected to loosen the current strict household registration regulations. At present, some areas (such as Qingdao) have canceled the agricultural household registration and non-agricultural household registration systems and unified them into resident household registration.
What is the actual place of residence?
That is, the place of habitual residence. The last place where a citizen lived continuously for more than one year after leaving his place of residence is the place of habitual residence. However, those who are hospitalized for treatment are excluded. If a citizen has no permanent place of residence after moving out of his place of household registration and before moving to another place, his or her original place of household registration shall still be his residence.
To sum up, the place of household registration refers to the place where the household registration of residents in my country is registered. It generally refers to the place where the parents’ household registration was registered at the time of birth. The concept of household registration location should be fully understood, which is different from the concept of territory.
Legal basis:
Article 5 of the "Civil Procedure Law of the People's Republic of China": A citizen's usual place of residence refers to the citizen's continuous residence from the time he leaves his place of residence to the time of filing a lawsuit. Places that are more than a year old. This is except for places where citizens are hospitalized for medical treatment. If a citizen has no permanent place of residence after moving out of his place of household registration and before moving to another place, his original place of household registration shall remain his residence.
Article 4 of the "Civil Procedure Law of the People's Republic of China": The domicile of a citizen refers to the place of residence of the citizen, and the domicile of a legal person refers to the main place of business or the location of the main office of the legal person. .
Article 9 of the "General Principles of the People's Republic of China and Civil Law": The last place where a citizen has lived continuously for more than one year after leaving his place of residence is his usual place of residence. However, those who are hospitalized for treatment are excluded. If a citizen has no permanent place of residence after moving out of his place of household registration and before moving to another place, his original place of household registration shall remain his residence.
Important
The place of household registration refers to the place where the household registration of residents in my country is registered. It generally refers to the place where the parents’ household registration was registered at the time of birth. It is usually the place of household registration in the family household registration book. The place of household registration refers to the place where the household registration of residents in my country is registered. It generally refers to the place where the parents' household registration was registered at the time of birth. It is usually the place of household registration in the family household registration book.
Copies of the real estate certificate cannot be used for loans. The real estate certificate mortgage loan means that the buyer uses the real estate as a mortgage to apply for a loan from the bank to obtain funds, and then repay the principal and interest to the bank in installments or in one lump sum. A method of credit.
Copies of real estate certificates cannot be used for loans.
Information that must be provided for real estate certificate loans:
1. Establishment registration application form
2. Original copy of "House Ownership Certificate";
3. Real estate mortgage contract;
4. Main creditor's rights contract (generally referred to as loan contract)
5. Copy of "State-owned Land Use Certificate" (original verification);
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6. Identity certificates of both parties to the mortgage.
"People's Republic of China and Civil Code"
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, returns the loan and pays interest when due .
Article 668: A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons.
The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 397 of the "People's Republic of China and Civil Code" If a building is mortgaged, the construction land use rights within the area occupied by the building shall also be mortgaged. If the right to use construction land is mortgaged, the buildings on the land will also be mortgaged. If the mortgagor fails to mortgage all properties in accordance with the provisions of the preceding paragraph, the unmortgaged properties shall be deemed to be mortgaged together.