Real estate mortgage requires a credit report. Because credit report is an important material when applying for a housing mortgage loan, it is an important reference for banks or other lending institutions to determine the applicant's qualifications. If you apply for a house mortgage loan through a bank, you need to check the credit records of both the borrower and his wife. If the credit report is blacklisted, you will not be able to get a house mortgage loan, and both husband and wife will affect each other.

What conditions need to be met for real estate mortgage?

1. The actual age of a natural person with full civil capacity on the loan maturity date is generally not more than 65 years old.

2. Have legal and valid identity certificate (resident ID card, household register or other valid identity certificate) and marriage status certificate.

3. Have good information records and willingness to repay.

4. Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time.

5. The property rights of the mortgaged houses must be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage. 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 land management department.

6. Have the ability to pay the first installment of the purchased house; if the newly purchased house is used as the maximum mortgage, there must be a legal and valid house purchase contract, the house must be less than 10 years old, and have or have Pay a down payment of no less than 30% of the total price of the house purchased; if a housing mortgage loan has been purchased and applied for, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and it is used as a mortgage The housing ownership certificate has been obtained and the housing is less than 10 years old.

7. The borrower has a legal and valid house purchase contract or agreement.

8. Have an effective guarantee recognized by the lender.

What should we pay attention to when it comes to house mortgage?

1. The house mortgage is the guarantee for the original creditor-debt relationship. The original creditor-debt relationship is the main contract, and the house mortgage is a subordinate contract. It is based on the original owner. The legal and valid existence of the contract is a prerequisite and cannot exist independently.

2. The mortgaged house can be kept by the mortgagee or the mortgagor, and is usually kept by the mortgagor. The custodian should carefully maintain the mortgaged property.

3. When the party with the obligation to repay the debt fails to perform its obligations, the house mortgagor can directly exercise the house mortgage right and realize its rights without relying on the debtor's behavior.

4. The mortgage must be a house. The mortgagor can be the debtor or a third party. The mortgagor must have ownership of the mortgaged house. If the mortgaged house is a state-owned house, the mortgagor must Have the right to dispose of the mortgaged house.

5. The establishment of house mortgage rights is generally in written form, and the scope of the guarantee should be clearly defined.

6. The mortgagor does not lose the ownership of the house after mortgaging the house. Therefore, the mortgagor shall bear the risk of accidental loss of the house.

7. House mortgage is a kind of security interest. If the house mortgagor transfers the mortgaged house to a third party without the consent of the house mortgagee, the house mortgagee has the right of recourse against the mortgaged house, and the losses suffered by the transferee shall be borne by the house mortgagor.