House mortgage can be handled elsewhere. The real estate mortgage loan needs assessment company conducts on-the-spot investigation on real estate, and then submits the assessment report to the bank. If it is off-site property mortgage, the bank will not accept off-site property mortgage comprehensively, but the applicant can apply for a loan from the local financial institution with the property as collateral in the name of the spouse or parents where the property is located, but the conditions must be met.

The difference between mortgage and mortgage

(1) Loans are used for different purposes.

Housing mortgage loans are mainly used to buy houses; Real estate mortgage loans are mainly used for capital turnover for commercial and consumer purposes.

② The loan interest rate is different.

In terms of interest rate, mortgage loans implement the benchmark interest rate; The benchmark interest rate of mortgage loans will rise. Generally speaking, the interest rate of mortgage loan is lower than that of mortgage loan.

(3) The loan term is different.

The longest loan term of mortgage loan is 30 years, and each loan term is determined by the commercial bank through consultation with the borrower according to the borrower's age, working years, repayment ability and other factors; The longest loan term of mortgage loan shall not exceed 10 year.

(4) The subjects of legal relations are different.

In the mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there should be at least three legal subjects, namely the mortgagor (bank), the mortgagor (buyer) and the third party (original house owner).

5] The required loan information is different.

Borrowers applying for housing mortgage loans must provide proof of down payment, purchase contract and other materials; Borrowers applying for real estate mortgage loans need to provide real estate licenses, state-owned land certificates, proof of loan purposes and other materials.

[6] The purpose is different.

The purpose of mortgage loan is to avoid risks as much as possible and borrow as much as possible. The purpose of this is to protect income as much as possible. In the law and the usual theory, the beneficiary of mortgage is the owner of the property right of the house, which enjoys more rights and interests than the mortgagee in law. The purpose of mortgagor's mortgage loan is to provide loans for other projects, including personal purchase of other properties and corporate mortgage loans.