What should you pay attention to when signing a housing mortgage loan contract? Let the editor of the French Network introduce it to you. I hope it can help you.

When signing a house mortgage contract, the following aspects should be clarified:

1. Clearly agree on the type and amount of the guaranteed creditor's rights. Specify the amount of the guaranteed main creditor's right. The amount of the guaranteed main creditor's right is the housing mortgage loan, which is the loan amount.

2. Clearly agree on the time limit for the debtor to perform its debts. The term for the debtor to fulfill his debt is actually the term of the loan.

3. Clearly agree on the name, quantity, quality, condition, location, ownership or use rights of the collateral.

4. Clearly agree on the scope of mortgage guarantee. The scope of mortgage guarantee includes the main creditor's rights and interest, liquidated damages, damages and costs of realizing the mortgage.

5. Clearly agree on other matters deemed necessary by both parties to the mortgage. Under normal circumstances, the borrower and the lender combine the loan contract and the mortgage contract into a unified "House Mortgage Loan Contract".

6. Determine liability for breach of contract and dispute resolution methods.

Extended reading of related knowledge: What are the types of houses that cannot be applied for real estate mortgage loans

1. Real estate for which the loan has not been paid off

Real estate mortgage for real estate mortgage loans The property must be a property without any mortgage or loan. If the property has been mortgaged or is still under mortgage, and the bank already has other rights to the property, the bank will not be able to process the borrower's mortgage on the property. Because two banks cannot own other rights to a property at the same time.

2. Some purchased public houses

There are two situations in which real estate mortgage loans cannot be applied for purchased public houses: First, the purchased public houses cannot provide a house purchase contract or agreement, because some The house purchase contract will include a clause stating that the original unit has the right of first refusal, and the bank cannot obtain other rights, so the bank cannot operate the mortgage loan for this property; the other type is the central government-owned housing that cannot provide the listing certificate of the central-owned housing among the purchased public housing. Such properties cannot be listed for trading, and the business cannot be operated.

3. Affordable housing that is less than five years old

According to current national policies, affordable housing that is less than five years old is not allowed to be listed and traded, and it is also impossible to apply for real estate mortgage. loan. Demolition houses are generally managed as affordable housing.

4. Small-property houses without a real estate certificate

If the resident does not obtain a real estate certificate for a small-property house, he only has the right to use the property but not ownership. Without the ownership certificate of this property, this type of property cannot be listed for trading, cannot handle mortgage procedures, and cannot apply for real estate mortgage loans. ?