Within 30 days from the date of signing the private lending real estate mortgage contract, the mortgage parties shall go through the formalities of real estate mortgage registration at the housing management department where the real estate is located, and the private lending real estate mortgage contract shall take effect from the date of mortgage registration. When registering private lending houses, the mortgage parties shall submit the following documents: (1) private lending master contract and private lending mortgage contract; (2) the identity certificate or legal person qualification certificate of the private lending mortgagor; (3) An application for mortgage registration; (4) State-owned land use certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted; (five) with the pre-sale of commercial housing as collateral, it shall submit a valid contract for the pre-sale of commercial housing; (6) Documents and certification materials that can prove that the mortgagor has the right to set mortgage rights; (seven) materials that can prove the value of the mortgaged real estate; Such as an effective real estate appraisal report; (8) Other documents deemed necessary by the registration authority. The registration authority shall examine the mortgage application. If the ownership is clear and the certification materials are complete, it shall make a written reply on whether to approve the registration within 5 days from the date of accepting the registration, and register and issue certificates: (1) If the real estate mortgage with house ownership has been obtained according to law, the registration authority shall record his other rights in the original real estate ownership certificate and hand it over to the mortgagor for acceptance, and at the same time issue the real estate ownership certificate to the mortgagor; (two) the pre-sale of commercial housing or the mortgage of projects under construction, the registration authority shall record it in the mortgage contract. If the mortgaged real estate is completed during the mortgage period, after the mortgagor obtains the certificate of real estate ownership, the parties concerned shall re-register the real estate mortgage.

What is the process of private loan mortgage?

Details are as follows:

Make signing documents such as I. Second-hand Housing (Land) Mortgage Loan Contract or Real Estate Mortgage Loan Contract or Guarantee/Guarantee Contract.

Verify in advance the authenticity of the identity of the property owner, that is, your uncle, understand the household registration information of the above-mentioned persons (that is, various relatives or identity relationships), consult the real estate registration book (that is, registration materials) of the city where the property is mortgaged, and consult the notarized power of attorney, appraisal certificate, house sales contract (second-hand house, first-hand house, auction house), etc.

Check and copy the original ID card, birth certificate, household registration book (or household registration certificate, household registration book, household registration book), marriage/divorce certificate (or divorce judgment, divorce mediation book, marriage certificate) of the borrower/mortgagor, and identify personal identity information and household registration relationship.

Explain and require the borrower/mortgagor to sign the second-hand house (land) mortgage loan contract or mortgage loan contract or guarantee/guarantee contract. Other signing documents include single commitment letter, spouse consent letter, self-occupation commitment letter, rental notice, power of attorney, etc. This link is very important and passed.

For those entrusted to sign a mortgage loan contract for second-hand (local) housing or a mortgage loan contract for real estate or a guarantee/guarantee contract and register the mortgage, it is necessary to carefully check the notarized or certified original power of attorney, check the location of the mortgaged property, entrusted matters, entrusted authority and other information, and remind the trustee in good faith according to the experience in handling the mortgage registration; At the same time, if we need to entrust our firm or a third party to handle mortgage registration, we must make an appointment with the notary office in advance to handle notarization procedures or inform them to go to the notary office by themselves afterwards.

How to apply for rural housing mortgage loan

First of all, rural houses need to have real estate licenses, apply for housing mortgage loans from banks, and provide the required materials and guarantees. The bank will audit the farmers who borrow money, and if they pass the audit, they will promise to issue loans to the lenders, sign mortgage loan contracts and handle real estate mortgage.

1. Now all rural housing mortgage loans need to be applied in the pilot areas, because this loan policy was determined at the end of February 20 18, so there are only a few pilot areas at present. In addition, rural housing mortgage loans are generally accepted by local rural credit cooperatives or agricultural banks and agricultural development banks. The term of housing mortgage loan in rural areas is usually 20 years, and it cannot exceed the statutory retirement age of the borrower.

Generally speaking, the rural housing mortgage loan can be around 300,000. The loan amount is not higher than the provident fund loan amount; The loan method is mortgage; The loan shall not exceed 60% of the total cost; At the same time, it is not higher than 60% of the housing appraisal price; Shaanxi rural housing loan guarantee method is guaranteed and cannot exceed 50% of the total housing cost. The applicant should prepare the required information: land use certificate; Village Committee certificate; Invoice receipt of purchased materials after the project budget is revised.

1. After acceptance by the bank, the application materials shall be reviewed to confirm their authenticity. After the audit is completed, the bank will give the audit results. If it passes, go to the bank to go through the formalities. If it fails, it will tell the specific reason. After receiving the notice from the bank, go to the bank with relevant information, discuss the relevant contents with the bank, and you can sign a loan contract.

Mortgage loan needs mortgage, so after signing the loan contract, the applicant needs to go through the mortgage formalities and apply for loan insurance.

2. After the formalities are completed, the bank will release the loan to the designated account on the agreed date, and the applicant only needs to repay it on time. At present, rural housing mortgage loans can only be applied in some pilot areas, provided that farmers need to hold housing ownership certificates and state-owned land use rights certificates. It is understood that houses in rural areas will become more and more valuable in the future, so if you are not very short of money and are not sure whether you can pay off the loan,

How to mortgage real estate in installments?

The process of private mortgage loan for phased real estate is as follows:

1. Evaluation: The mortgagor or mortgagee needs the real estate evaluation agency to evaluate the real estate and issue an evaluation report to see how much credit there is.

2. Mortgage notarization: The mortgagor and mortgagee need to personally sign the mortgage loan contract at the notary office and notarize it.

3. Review: submit all kinds of materials to the real estate trading center for review.

4. Warrant issuance: After accepting the mortgage registration, the real estate trading center will issue an acceptance form within 5-7 working days to issue other warrants.

5. Lending: The mortgagee will lend money after seeing other warrants.

6. Repayment: Repay according to the agreed repayment method and amount.

7. Cancellation of mortgage: After the repayment is completed, the mortgagee and mortgagor can cancel the mortgage at the real estate trading center.

Private mortgage refers to private real estate mortgage, which occurs in the private sector and is guaranteed by own or third-party real estate, not from banks, but from individuals to individuals, or from individuals to enterprises.