In fact, the owner of the property used for mortgage can be the borrower himself or someone else. If a property owned by someone else is used as a mortgage, the mortgagor must issue a document agreeing to the borrower’s use of the property as a mortgage. A written commitment to apply for a loan, requiring the signatures of the mortgagor and his/her spouse or other persons with the most rights to the property.

On the contrary, if you use the property ownership certificate of another person for a mortgage loan without the authorization of others, and forge the signature of another person to sign a "Mortgage Guaranteed Loan Contract" with a financial institution, this mortgage guarantee contract should be deemed invalid. . #As long as others agree, if others don’t agree, then of course you can’t do it. #Loans are available. Now banks can do it, but the person with the property ownership certificate must agree to mortgage it for you, and the mortgage must be filed with the housing management department. This kind of loan is a consumer loan, and the procedure is very simple: 1. Apply at the bank; 2. Appraisal by the bank's designated appraisal company; 3. The maximum loan amount shall not exceed 70% of the appraised value (the key depends on the age of the house and your personal income); 4. Sign the loan contract and mortgage contract (the mortgage contract requires the signature of the property owner); 5. Process the mortgage filing; 6. Release the loan. The situation varies from place to place. It takes about 3 days to evaluate and apply for a mortgage. Generally, it can be done in about a week.

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