what's the use of the house ownership certificate
1. The house ownership certificate is the legal certificate issued by the house property registration authority to the mortgagee or mortgagee. The certificate of other rights of the house shall be taken over by the holder of other rights. The exercise of other rights by the holder of other rights according to law shall be protected by state laws.
2. The certificate of other rights is the mortgage certificate of the house. When the borrower uses the house as a mortgage loan, he needs to mortgage the certificate of other rights to the lender! Can not be returned to the borrower until the loan is paid off.
What is the meaning of other house ownership certificate
The other house ownership certificate actually refers to a right certificate issued by the local housing management department and held by the mortgagor after the registration of other rights.
In fact, the right of other property rights refers to the rights of other groups or individuals except the property owner and the owner, generally refers to the right of mortgage, and the right of other property rights is held by the owner.
under normal circumstances, when buying a house, if it is a mortgage loan, there will also be records of other rights in the certificate of ownership of the house, indicating the owner and types of other rights, such as pawning right and mortgage right, scope of rights, value of rights, duration and cancellation date of rights, and these contents will also be indicated in the certificate of other rights.
according to the guarantee law, the real estate will be mortgaged, that is, the right to dispose of the real estate has not been cancelled, and it is impossible to conduct legal transactions without the consent of the mortgagee, and at the same time, it is impossible to go through relevant procedures such as property right transfer.
what should be paid attention to in the mortgage of real estate
1. The mortgage of real estate needs to be the real estate in the name of the borrower. If a third party has it, a statement that * * * someone agrees to the mortgage loan must be issued at the time of mortgage.
2. If there is divorce in the marriage certificate provided, a divorce agreement or a court judgment is required; If you are single after divorce, you need to provide proof that you have not remarried after divorce.
3. The purpose of the loan needs to be clarified. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, so consumers should pay attention to policy risks.
4. You can't apply for a mortgage loan for a house that hasn't paid off the loan. In other words, if the house is still under mortgage, the mortgage of the house is 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 mortgage again.
5. A small property right house does not have the right to trade real estate mortgage loans. This is because small property houses have no property rights, and they may be wiped out in case of policy land use planning, so financial institutions will not mortgage this kind of property.