2. If the applicant intends to personally arrange the mortgage application for the mortgaged property, then a more reasonable method is to find relatives and friends with abundant funds, make up the remaining mortgage money, and then take it to the bank to repay the remaining loan of the property, and complete the mortgage release of the property, and then mortgage the mortgaged property to the bank.
3. Divide the loan obtained from mortgaged real estate into two parts, one part is lent to one's relatives and friends, and the other part can be used for free control. Whether it is used for business turnover or daily consumption, this is personal freedom. This method requires someone to provide a working capital, which takes about two months. It is divided into two parts: early repayment, mortgage release and mortgage application.
which four types of properties can't be mortgaged?
1. Property with outstanding loans
The property with consumer loans mortgaged must be a property without any mortgage and no loan. If it is a mortgaged property or the property is under mortgage, the bank already owns other rights of the property, and the borrower mortgages the property again, the bank is not allowed. Because two banks can't own other rights of a property at the same time, borrowers can't use mortgage consumption to apply for loans from banks.
II. Some purchased public houses
There are two situations in which mortgage consumption loans cannot be applied for. One is the purchased public houses that cannot provide the purchase contract or purchase agreement, because if there is a clause in the purchase contract that the original unit has the preemptive right, the bank cannot obtain other rights, so the bank cannot operate the mortgage consumption loans for this property; The other is the delivery room that can't provide the listing certificate of the delivery room in the purchased public houses, because such real estate can't be listed for trading, so it can't operate the business.
Third, affordable housing less than five years old
Relocated housing is one of the government's affordable housing, which is generally managed as affordable housing, or its housing nature belongs to affordable housing. According to the national policy, affordable housing less than five years old is not allowed to be listed and traded, and it is also impossible to apply for mortgage consumer loans.
IV. Small property houses without real estate license
For small property houses, if the residents have not obtained real estate license, they only have the right to use the property without ownership, and they have not obtained the ownership certificate of this property, so such properties cannot be listed and traded, and they cannot go to the Construction Committee for mortgage, let alone apply for mortgage consumer loans.