How to mortgage a real estate certificate?

To mortgage a real estate, you need to bring the identity cards of both parties, the personal loan mortgage contract and the real estate certificate to the Housing Authority to apply for a mortgage.

Real estate mortgage means that the property owner uses the property deed as a mortgage to obtain a loan and pay interest on schedule.

The property rights of the house are still managed by the property owner. The creditor only collects interest on schedule, but does not have the right to use and manage the house. The mortgage will be terminated when the loan is repaid and the property owner takes back the property deed.

If the debtor is unable to perform the debt, the creditor has the right to dispose of the mortgaged house in accordance with the law, and will have priority in receiving repayment from the proceeds from the disposal of the mortgaged house.

The party who provides the mortgaged house is called the house mortgagor, and the original creditor who accepts the mortgaged house is called the house mortgagee.

The mortgagor of a house must have full capacity for civil conduct. Persons without capacity for civil conduct or with limited capacity for civil conduct are not allowed to set up a house mortgage.

What is a home mortgage consumer loan?

A home mortgage consumer loan means that the borrower uses a home owned by himself or others (such as relatives, friends, colleagues) as collateral and applies for a loan from the bank. , this loan can be used for various consumer purposes, such as buying a house, decorating, buying a car, going abroad, traveling, studying abroad, etc., and can also be used for various business purposes. The properties targeted by housing mortgage consumer loans are those that have property rights and currently do not have other mortgage rights. After applying for a loan, the borrower can repay the monthly payment just like a home mortgage. The loan term is usually around 10-15 years, and the longest loan term can be up to 20 years. In terms of interest, the interest on real estate mortgage consumer loans follows the bank's housing loan interest rate for the same period, and discounts or moderate increases are given based on the customer's credit status. Article 394 of the Civil Code: In order to guarantee the performance of a debt, the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor, the debtor fails to perform the due debt or the realization of the mortgage right as agreed by the parties occurs. Under such circumstances, the creditor has the right to receive priority payment for the property.

How many years can a home mortgage loan be loaned at most?

A home mortgage loan can be loaned for a maximum of 30 years. The mortgage rate for commercial residential buildings can reach up to 70; the mortgage rate for office buildings and shops can reach up to 60; the mortgage rate for industrial plants can reach up to 50; the maximum period can reach 30 years; the mortgage includes shops, office buildings, Houses, villas, factories, warehouses, etc.

What are the conditions and procedures required for house mortgage loans?

The conditions required for bank house mortgage loans are as follows:

1. Collateral The house should have obtained the house ownership certificate, and the property title of the mortgaged house must be clear.

2. The borrower has full rights of disposal and can register as a mortgage;

3. The mortgagor must The full value of the mortgaged house is used as loan collateral;

4. The house can be legally listed and traded, easily liquidated, and does not exist in the following situations:

5. Dangerous houses or illegal construction Or it has been included in the scope; the property rights are in dispute;

6. A mortgage has been set up; it has been rented to others and the property owner failed to notify the lessee in accordance with regulations, harming the interests of the lessee;

7. Seized or otherwise restricted from transfer in accordance with the law.

8. Stable job

If there is collateral as guarantee, the bank will lower the loan threshold, but will still require the borrower to work continuously in the current unit for half a year, that is, Said that one must have a stable job.

Extended information:

House mortgage loan process:

1. Before borrowing, the borrower fills out the residential mortgage application form and submits the following supporting materials to the bank: Proof of the borrower's fixed economic income issued by the unit where the presenter is employed; credit certification documents such as the business license and legal person certificate of the loan guarantor; and the borrower's legally valid identity certificate.

Relevant housing ownership certificates that comply with legal provisions or proof that I have the right to control the house; valuation reports, appraisals and insurance documents for the mortgaged property; contracts, agreements or other supporting documents for the purchase and construction of housing; loans Other documents or materials required by the bank.

2. The bank will review the borrower’s loan application, house purchase contract, agreement and related materials.

3. The borrower shall hand over the property ownership certificate and insurance policy or securities of the mortgaged property to the bank for collection.

4. The guarantors of both the borrower and the lender sign a housing mortgage loan contract and have it notarized.

5. After the loan contract is signed and notarized, the bank's deposits and loans from the borrower will be transferred to the house selling unit or building unit specified in the house purchase contract or agreement by transfer.

6. Loan settlement, loan settlement includes normal settlement and early settlement.