1. The property right of the house is clear, meets the listing and trading conditions stipulated by the state, and can enter the real estate market without mortgage;
2, the age of the house (from the date of completion of the house) and the loan period can not exceed 40 years;
3. Mortgaged houses are not included in the urban reconstruction and demolition plan, and there are real estate licenses and land certificates.
Information to be provided for real estate mortgage loan:
Identity cards, household registration books, household registration books, marriage certificates, bank accounts and salary certificates of the owner and husband and wife.
To sum up, the regulations do not stipulate that developers must hold real estate licenses to sell houses to consumers, but it is necessary to make sure that this house can apply for real estate licenses in the future. In addition, the house rebuilt in the old city is not feasible and the transaction is not safe. No title certificate is not protected by law, and there are certain risks. Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter.
Then, after the approval, the bank promises to issue loans to the buyers, and handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.
legal ground
According to Article 45 of the Regulations of People's Republic of China (PRC) Municipality on Urban Real Estate Management, the pre-sale of commercial housing shall meet the following conditions:
(a) have paid all the leasing fees for land use rights and obtained the certificate of land use rights;
(2) Holding a construction project planning permit;
(three) according to the pre-sale of commercial housing, the investment in development and construction has reached more than 25% of the total investment in engineering construction, and the construction progress and completion delivery date have been determined;
(four) to the real estate management department of the people's government at or above the county level for pre-sale registration, and obtain the pre-sale permit certificate of commercial housing.