Legal subjectivity:

1. Do you have a mortgage loan without a real estate certificate?

You cannot apply for a bank mortgage loan without a real estate certificate. But it is also considered on a case-by-case basis. If the applicant only temporarily does not have a real estate certificate, for example, when applying for a housing mortgage loan, the real estate certificate is mortgaged to the bank. In this case, the applicant can provide the mortgage loan contract, house purchase contract, down payment invoice and other relevant materials. , apply for a loan from the bank. However, if the applicant purchased a resettlement house, a relocation house or a self-built house, it will be more difficult to apply for a bank mortgage loan.

2. What is a real estate certificate mortgage loan?

Real estate mortgage loans generally need to be handled through professional real estate guarantee companies. Real estate mortgage loans have become an important means of personal real estate financial management for residents. Mortgage loans are used to lend funds to meet temporary consumer needs or even business needs, in order to revitalize the real estate held by residents. Among various financing channels, real estate mortgage loans are still one of the lowest-cost methods.

3. What should you pay attention to when applying for a real estate certificate mortgage loan?

1. Whether you can apply for a mortgage depends on the condition of the house, whether there is a mortgage or debt dispute on the house, and whether the transfer has been completed. If it is in your name, you can apply for a mortgage.

2. The mortgage loan application period and amount depend on the appraised value of the house, the age of the house (property rights period), etc.

3. Bring the real estate certificate, ID card, household register, spouse’s ID card, and marriage certificate of both parties. First, go to the bank to apply for a loan. At the same time, the bank will ask you to go to a guarantee company to apply for mortgage guarantee, pay guarantee fees, house appraisal fees, apply for a loan contract at the bank, and then after the loan is approved and the bank releases the loan, you will start to repay the loan at the same time. .

4. The loan amount, term, and interest rate need to be communicated specifically with the bank. Not all disclosure standards are universal, and each bank also has differences. Another thing is to try not to find a housing agency. Although they have this service, their fees are high and they often have irregular traps.

IV. Borrower conditions

A mortgage loan means that the borrower provides certain collateral as a guarantee for the loan to ensure that the loan is repaid on time. The general conditions for a mortgage loan are as follows:

p>

1. The borrower is over 18 years old, and the final repayment period is no less than 65 years old. It is necessary to ensure that the borrower has the ability to repay.

2. The individual has a stable job and address in the local area. When mortgaging a property, the property used for mortgage and the loan agency must be located in the same city. Personal consumption loans do not accept collateral from other places. If the mortgage is a commercial building, the corresponding requirements for the collateral for personal commercial housing loans must be met.

3. Provide proof of ownership of the mortgaged property, such as real estate certificate, vehicle driving license, etc. Ensure that the property rights certificate has been completed, the property rights are clear, the property can be marketed and circulated, and mortgage registration can be handled in accordance with the law, and there are no property rights disputes or other unfavorable realization situations.

4. The personal credit report is good and there is no bad credit record, especially if the credit card loan is overdue or cashed out, so it is recommended that the borrower understand his or her credit record in advance.

Therefore, you must consider carefully when borrowing money. If you are still unable to repay the loan at the end of the loan period, you must promptly communicate with the lending institution to apply for an extension or installment repayment, or borrow money from a former friend to repay it, and then repay it after the capital turnover opens. to avoid causing trouble and burden to yourself and your family. Legal objectivity:

1. Can a real estate certificate be used as a mortgage loan? A real estate certificate mortgage loan refers to a situation where a home buyer uses the real estate as collateral to apply for a loan from a bank to obtain funds, and then repays the principal and interest to the bank in installments or in one lump sum. A form of credit. Lenders must meet the following conditions: First, they must be natural persons with full capacity for civil conduct, and their actual age on the loan maturity date is generally not more than 65 years old; secondly, they must have a permanent residence in Beijing and a fixed residence; they must have a legitimate occupation and stable The source of income must be the ability to repay the principal and interest of the loan on time; third, the person must be willing and able to provide a real estate mortgage recognized by the lender; fourth, the owner of the property must recognize its borrowing and guarantee behaviors and be willing to assume relevant legal responsibilities.

The process of applying for a loan: 1. Applying for an existing house mortgage loan: First, the borrower needs to find an appraisal agency to conduct a property value appraisal and obtain a "Real Estate Appraisal Report" issued by the appraisal agency. Secondly, both husband and wife should go to the scene to submit the above information and sign a real estate mortgage contract. Again, the borrower signs a loan contract with the bank. Fourth, the bank will grant the loan after approval. Finally, the borrower repays the loan in installments or in one lump sum and cancels the mortgage on the property to get back the property certificate. 2. Apply for an off-plan house mortgage: The borrower goes to the bank to sign a house purchase loan contract with the house purchase pre-sale contract, the original and copy of the house advance payment receipt, and the original and copy of the couple's marriage certificate. The bank will issue the loan after approval, and the real estate certificate will be issued. Then give it to the bank. After the borrower repays it, he goes to the bank to cancel the loan and get back the property certificate. 2. What conditions must the house used for mortgage meet? (1) The property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage; (2) The age of the house (from the time the house is completed) (calculated from the date) and the loan term cannot exceed 40 years; (3) The mortgaged house is not included in the local urban reconstruction and demolition plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department; I need to remind everyone here that 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 written commitment agreeing to the borrower's application for a loan using the property as a mortgage and require a mortgage. Signed by the person and his/her spouse or other persons with the most rights to the property.