Apartment mortgage loans can mortgage up to 70% of the appraised price of the house. As the age of the house increases, the proportion of the mortgage loan amount in the appraised price will gradually decrease. After a certain period of time, the mortgage will not be available. . Relatively speaking, apartment mortgage loans are not as good as house mortgage loans, and the property rights period of commercial products is a major limitation.

What do you need to pay attention to when applying for a real estate mortgage loan?

1. The real estate mortgage needs to be the property in the name of the borrower. If there is a third party ***, it must be issued when mortgaging** *A statement from someone agreeing to the mortgage.

2. In the marriage relationship certificate provided, if there is a divorce, you need to submit a divorce agreement or court judgment; if you are single after divorce, you need to provide proof that you have not remarried after the divorce.

3. The purpose of the loan needs to be clearly stated. Mortgage loans are generally used for consumer projects such as decoration, studying abroad, and purchasing large-scale household durable consumer goods. If consumers use mortgage funds in violation of regulations, they may be repossessed by the bank, so consumers should pay attention to policy risks.

4. You cannot apply for a mortgage loan for a house that has not paid off its loan. In other words, if the house is still under mortgage, the mortgage rights of the house are actually in the hands of the bank. Although the borrower has the right to use it, he does not have full property rights, so he cannot apply for a mortgage again.

5. Houses with small property rights do not have the right to conduct real estate mortgage transactions. This is because small-property houses actually have no property rights and may be wiped out if subject to policy land use planning. Therefore, financial institutions will not grant mortgage loans to such properties.

What materials are required for house mortgage?

1. Documents required for mortgage of existing house

1. Real estate mortgage contract (both husband and wife are present to sign);

2. House ownership certificate;

3. Copy of land use right certificate (original);

4. "Real Estate Evaluation Report" issued by a qualified evaluation agency ;

5. Bank loan contract;

6. Proof of marital relationship and copies of both parties’ ID cards (original to be verified). If single, the certificate shall be issued by the civil affairs department of the place where the household registration is located.

2. Information required for off-plan property mortgage

1. House purchase pre-sale contract;

2. Sign a house purchase loan contract with the bank;

< p>3. A copy of the receipt for the advance payment for house purchase (the original must be verified);

4. A copy of the couple’s marriage certificate (the original must be verified), and if single, a certificate issued by the civil affairs department of the place where the household registration is located;