1. If it is a formal real estate license and land certificate, you can apply for a mortgage loan;
2. You can go to the real estate department and the land department for verification with the seller.
Conditions for mortgage to buy a house: (1) The conditions required by the borrower are 1. A natural person aged 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed); 2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule; 3. The borrower's actual age plus the loan application period shall not exceed 70 years old. (2) Information to be provided: 1, three copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached); 2. The original purchase agreement; 3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price; 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ; 5. The developer's collection account number is 1 copy. (3) The information that the borrower should provide is 1. Husband and wife's ID card, household registration book/temporary residence permit, and foreigner's household registration book; 2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies; 3 proof of income (in the format stipulated by the bank); 4. Copy of the business license of the unit (with official seal); 5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
"Mortgage" refers to a loan method of buying a house or shopping by borrowing money from a bank as collateral and then repaying it in installments.
Originally originated from western countries, it was originally intended as a legal relationship in the Anglo-American balance law system. Later, it was introduced into the mainland real estate market from Hong Kong in the 1990s, which was first tried by Shenzhen Construction Bank, and then gradually became popular in the mainland. Because of its frequent appearance in the real estate field and its formal use in this paper, its meaning has gradually evolved into "mortgage loan", which has been officially called "personal purchase of commercial housing mortgage loan" in China.
Expose the original meaning and hold it high, which means borrowing meaning. Pressing something stuck can mean repaying the loan, so mortgage means repaying the loan, which can also be explained in Chinese without resorting to transliteration.
Another explanation for the origin of the word "mortgage" comes from the book Common Words and Errors published by Meteorological Publishing House in 2009 (by Zhang Haifeng). What does the article on page four of his book mean by "mortgage"? The author thinks that the word "borrow" has the meaning of "mortgage loan" in ancient Chinese and modern Chinese, which can be seen in some literary works. There is such a description in the novel Long Night by Yao, a famous contemporary writer: "A few days ago, people were forced by creditors, so I went to my sister's house, urging my brother-in-law to ask my uncle to tell me about milk, uncovering more than a dozen pieces and taking them back to pay interest." Yao pointed out in the article: "Borrowing usury, referred to as' borrowing' or' borrowing'." Yao is from Henan, and this book is about Henan. It seems that this word has been popular in the Central Plains for a long time. Up to now, the difference between "borrowing" and "uncovering" among the elderly in rural areas of Henan Province is very clear: "borrowing" refers to "temporarily using other people's goods or money", while "uncovering" is an interest-bearing term loan secured by real estate.