2. The right to use collectively owned land, such as cultivated land, homestead, private plots and private hills, shall not be mortgaged, except for the right to use barren hills, gullies, hills and beaches contracted according to law and agreed by the employer.
3. Real estate with disputed ownership and real estate that has been sealed up, detained, supervised or otherwise restricted according to law shall not be mortgaged.
4. Real estate used for public welfare undertakings such as education, medical care and municipal administration shall not be mortgaged.
5. Cultural relics protection buildings and other buildings with important commemorative significance shall not be mortgaged.
6, has been announced in accordance with the law included in the scope of the demolition of real estate shall not be mortgaged.
7. The real estate purchased under the preferential policies of the state cannot be mortgaged in full, and the mortgage amount is limited to the share of the disposition and income of the real estate owner.
8. Illegal buildings or temporary buildings cannot be used for mortgage.
9. Other real estate that may not be mortgaged according to law.
What are the precautions for housing mortgage loan?
1. If the real estate mortgage term is new house mortgage, the long-term loan term cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure.
2. Real estate mortgage loan amount The real estate mortgage loan amount depends on the value evaluation of the real estate license, which is lower than the market price of the real estate license. Generally speaking, the evaluation value of real estate license will be affected by some factors, such as the use time, market value, location, property type, liquidity and so on. The mortgage loan ratio of real estate license shall not exceed 70% of the appraised value of real estate license.
3. The conditions required for real estate loans are natural persons who have reached the age of 65,438+08-60, have full capacity for civil conduct, have a long-term and stable source of income, and are sufficient to pay the monthly loan principal and interest; The property right of the real estate license should be clear, without any other mortgage; The age of the house plus the loan period shall not exceed 40 years; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.