Personal housing mortgage refers to the mortgage condition of disposable housing in my name, which guarantees loans to lenders. The purpose of the loan needs to be reasonable, legal and compliant, such as starting a company, buying a car and buying a house. If the borrower fails to repay the borrowed principal and interest after maturity, the loan bank may dispose of the mortgaged property of the borrower. So what are the conditions for personal housing mortgage loan? What are the conditions of housing mortgage loan? Next, Bian Xiao will give you a detailed introduction. Friends who need mortgage loans have a good look.
Housing mortgage loan conditions
Application conditions
Loan application (loan purpose/amount/year/repayment source)
Second, the house ownership certificate
Three. Proof of work and income (both husband and wife)
Four. Household registration book (both husband and wife)
Verb (abbreviation of verb) ID card (husband and wife)
Six, marriage certificate
Seven, personal assets or financial proof, such as bank passbook, car driving license and other copies.
Remarks: Divorced (including widowed) unmarried persons need the unmarried certificate issued by relevant departments, and the valid consent of the owner is required for the mortgage of the house.
Housing mortgage loan, in fact, refers to the types of bank loans secured by commercial houses that customers already own and can be listed and circulated. The difference between it and second-hand housing loans and first-hand housing loans is that customers already own real estate, not soon. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations. For example, real estate speculation and stock speculation are not allowed. It is required that mortgage housing loans should be earmarked for special purposes and be supervised by lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan.
In addition, the credit record of mortgage loan customers is very important, which is a historical evidence reflecting customers' willingness to repay. If the credit is bad and the property is more valuable, the bank will not accept mortgage loans, that is, it will not borrow a penny.
operating procedure
1. Borrower's pre-loan consultation: I520II54378 Fill in the application for residential housing mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6 loan settlement, including normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); ② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Housing mortgage loan risk
default risk
The risk of default includes compulsory default and rational default. Compulsory breach of contract refers to the passive behavior of the borrower, and the theory of ability to pay holds that compulsory breach of contract is caused by insufficient ability to pay. This shows that the borrower has the willingness to repay, but has no ability to repay. Rational breach of contract refers to the borrower's active breach of contract. According to the equity theory, in a perfect capital market, the borrower can only make a decision whether to breach the contract by comparing the unique rights and interests in his house with the size of mortgage debt. When the real estate market price rises, the borrower can transfer the house to pay off the loan, recover the cost and get a certain profit; When the real estate market price drops, in order to pass on the loss, even if he has the ability to repay, the borrower voluntarily defaults and refuses to repay.
liquidity risk
Liquidity risk refers to the risk that short-term deposits and long-term loans are difficult to realize, and liquidity is an important principle for banks to ensure asset quality. Today, liquidity risk is reflected in two aspects. First, at present, China's housing loans mainly come from provident fund and savings deposits. Savings deposits absorbed by banks belong to short-term deposits, generally only three to five years, while housing mortgage loans belong to long-term loans. This short-term deposit and long-term loan behavior makes the liquidity of banks very low, which in turn brings liquidity risks. Second, the assets and creditor's rights held by banks are not easy to be realized, which easily leads to liquidity risk. In this way, banks may lose more favorable investment opportunities in the financial market and increase the losses caused by opportunity costs.
economic cycle risk
Business cycle risk refers to the risk caused by the periodic fluctuation of the overall level of the national economy. Compared with other industries, the real estate industry is more sensitive to the business cycle. With the economic expansion, the income level of residents has improved, and the market demand for real estate has increased, so it is not a problem to realize the house. Banks and individuals are full of optimistic expectations for the future, and the number of housing mortgage loans issued by banks has also increased dramatically. The economy is depressed, the unemployment rate is rising, the income of residents is sharply reduced, and a large number of loans cannot be repaid. Even if the house has been mortgaged to the bank, it cannot be realized because of the weakness of the real estate industry. At this time, the mortgage risk is transformed into the bank's bad creditor's rights and losses, and the bank faces a large number of "bad debts", which can easily lead to the bank's credit and even bankruptcy.
The above is related to the conditions of housing mortgage loan, and I hope it will help everyone! Little friends who need this should look carefully! At present, the country has opened up individual housing mortgage loans in rural areas, which is actually beneficial to some extent. Farmers' friends get certain funds through personal housing mortgage, which can be used to buy houses or invest in cities. This will not only help to alleviate social contradictions, but also make farmers' friends move towards a more affluent road.
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Can individual housing be mortgaged?
Individual housing can be mortgaged. As long as you have a legitimate occupation and a stable source of income, have the ability to repay the principal and interest of the loan on time, are willing and able to provide the mortgage of the property recognized by the lender, and the property is recognized by some people and willing to bear relevant legal responsibilities, you can apply for a mortgage loan.
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on.
After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
Mortgage and mortgage: mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house by installment. There are two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the installment stage, the ownership of the house is "pressed" and cannot be "uncovered" (taken away) until it is paid in full.
In addition, mortgage trading involves three kinds of debt relationships-namely, the relationship between the mortgagor (buyer), the developer (seller) and the mortgagee (usually the relevant bank).
Its procedure is that the mortgagor (purchaser) first signs a purchase contract with the developer and prepays part of the purchase price; Then the mortgagor (buyer) signs a mortgage contract with the mortgagee (bank) on the basis of this contract, and the bank pays the rest of the house purchase money to the developer, and the buyer pays it to the mortgage bank regularly until the "mortgage money" is paid according to the regulations, and the mortgage process ends.
Mortgage loan is a way for the buyer (mortgagor) to borrow money from the bank (mortgagee). That is, the buyer takes the purchased property as collateral, signs a mortgage contract with the bank, and takes the way of not transferring ownership as a guarantee to repay the loan to the bank on schedule.
Interest must be paid on this loan. After the buyer (mortgagor) pays off the principal and interest to the bank according to the contract, he can recover the collateral-Property Ownership Certificate and Land Use Certificate. In other words, property buyers do not really own the ownership of the houses they buy before paying off the loans. If the repayment is not made on time, the bank can handle it according to law.
Mortgage loan is a popular way of real estate sales in the world. Although it is different from mortgage loan in nature, it has achieved the same goal in "suppressing the ownership of the house" to ensure the debt performance (installment payment and timely repayment).
How to handle the personal mortgage loan business of China Bank?
Bank of China provides personal consumption loans. Personal consumption loans are divided into personal mortgage consumption loans and personal mortgage consumption loans according to whether there is mortgage or not. The collateral for personal consumption loans shall meet the following conditions:
1. You have legal and complete ownership, the mortgaged property (including houses and commercial buildings) conforms to the provisions of the Guarantee Law, and the farmers' housing property rights conform to the provisions of the Measures for the Administration of Mortgage Loans for Farmers' Housing Property Rights of Bank of China, and have not been mortgaged to other creditors (it has been mortgaged to Bank of China according to previous loan contracts, except those that should be handled by the original agency).
2. When applying for personal consumption loan with collateral owned by a third party or jointly owned by you and a third party, the owner of the collateral or the owner of the same ownership must present his valid identity certificate to the bank to sign all relevant documents. If there are * * * shares, the applicant shall provide proof of ownership and indicate its share; For those owned by * * * and * * *, the applicant shall provide other written documents unanimously declared by * * *.
3. Commercial houses used as collateral must have independent property rights, can be disposed of separately, and have good location and great appreciation potential (refer to local BOC outlets for specific standards).
4. If you have multiple mortgages, you can apply for one mortgage turnover line or apply for multiple mortgage turnover lines separately, but multiple mortgage turnover lines cannot use the same mortgage. If you need a loan, you can consult your local BOC outlets.
The above contents are for your reference. Please refer to the actual business regulations.
How to handle personal housing mortgage loan?
First, apply to banks and other financial institutions.
1. Borrower's pre-loan consultation: Fill in the Application for Mortgage of Residential Houses and submit the following supporting materials to the bank:
The borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor. Legal and valid identity certificate of the borrower.
The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6 loan settlement, including normal settlement and early settlement.
① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Second, apply for a peer-to-peer lending service platform for real estate mortgage.
Borrowers can not only apply to banks and other financial institutions, but also apply to the real estate mortgage peer-to-peer lending service platform, which will be much faster than banks and other financial institutions.
operating procedure
1. Apply for a loan
2. Check customer information
3. Lender pairing
4. Apply for notarization
Lend money on the same day as he proves.
Extended data:
According to the Measures for the Administration of Urban Real Estate Mortgage:
Article 36 The mortgaged real estate shall be owned and managed by the mortgagor.
The mortgagor shall maintain the safety and integrity of the mortgaged real estate during the possession and management of the mortgaged real estate. The mortgagee has the right to supervise and inspect the management of mortgaged real estate in accordance with the provisions of the mortgage contract.
Article 37 The mortgage right may be transferred with the creditor's rights. When the mortgage is transferred, a mortgage transfer contract shall be signed and the mortgage change registration shall be handled. After the mortgage is transferred, the original mortgagee shall notify the mortgagor.
With the consent of the mortgagee, the mortgaged real estate can be transferred or leased.
The proceeds from the transfer or lease of mortgaged real estate shall be paid off to the mortgagee in advance. The part exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.
Thirty-eighth due to the needs of national construction, the mortgaged real estate is included in the scope, and the mortgagor shall promptly notify the mortgagee in writing; Both parties to the mortgage can reset the mortgaged real estate, or clean up the creditor's rights and debts according to law and terminate the mortgage contract.
Article 39 If the real estate occupied and managed by the mortgagor is damaged or lost, the mortgagor shall promptly notify the mortgagee and take measures to prevent the loss from expanding. If the mortgaged real estate is damaged due to the mortgagor's behavior, and the value of the mortgaged real estate is not enough as a guarantee to perform the debt, the mortgagee has the right to ask the mortgagor to provide or increase the guarantee to make up for the deficiency.
If the mortgagor has no fault in reducing the value of the mortgaged real estate, the mortgagee can only ask for a guarantee within the scope of compensation obtained by the mortgagor for the damage. The part of the mortgaged property that has not depreciated is still used as a guarantee for the debt.
Article 48 If the mortgagor conceals the existence of mortgaged real estate, disputes over property rights, seizure, detention, etc., the mortgagor shall bear the legal liabilities arising therefrom.
Article 49 If the mortgagor sells, leases, exchanges, donates or otherwise disposes of the mortgaged real estate without authorization, his behavior is invalid; If losses are caused to the third party, the mortgagor shall make compensation.
Article 50 Disputes arising from the performance of mortgage contracts or the disposal of mortgaged real estate can be settled through consultation. If negotiation fails, the parties to the mortgage may apply to an arbitration institution for arbitration according to the arbitration agreement reached by both parties; If there is no arbitration agreement, you can also bring a lawsuit directly to the people.
Article 51 If the mortgagor, in violation of the provisions of Article 38, brings the mortgaged real estate into the scope for the needs of national construction, fails to pay off the debts according to law or re-establish the mortgaged real estate, the mortgagee may bring a lawsuit to the people's court.
Article 52 Any staff member of the registration authority who takes advantage of his position to ask for other people's property or illegally accepts other people's property to seek benefits for others shall be given administrative sanctions according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.