pre-sale of houses can be mortgaged. Mortgage of commercial housing loan refers to the behavior that the buyer mortgages the purchased commercial housing to the loan bank as a guarantee for repayment of the loan after paying the house price specified in the first installment, so it is necessary to apply for pre-mortgage registration for mortgage of pre-purchased commercial housing.

what is the process of housing mortgage registration

1. after the real estate mortgage relationship is set, the parties shall handle the registration process of other real estate rights with the city, district or county real estate registration authority according to the real estate registration management authority. The real estate mortgage registration is divided into three situations: one is the registration of rights after the two parties sign the mortgage contract; The second is the change registration when the right content changes; The third is the cancellation of registration when the right is eliminated.

2. The parties to the mortgage shall go to the registration department for mortgage registration within 3 days from the date of signing the real estate mortgage contract. If the land use right without fixed objects on the ground is mortgaged, it shall be the administrative department that issues the land use certificate; Where urban real estate or buildings such as factories of township (town) or village enterprises are mortgaged, the real estate management department where the real estate is located. When handling the mortgage registration of real estate, the following documents or copies thereof shall be provided to the registration department:

(1) master contract and mortgage contract;

(2) the qualification certificate or legal person qualification certificate of the mortgagor;

(3) The State-owned Land Use Certificate or the Property Ownership Certificate and other certificates that someone agrees to mortgage;

(4) If the option house is mortgaged, a valid pre-sale (purchase) house contract must be submitted;

(5) Effective

(6) Proof that the higher authorities have approved the mortgage of real estate.

3. After examination by the registration authority, the legal mortgage shall be registered, and the ownership certificate shall be registered, and other warrants with mortgage rights shall be issued. The Certificate of Other Rights shall be collected and held by the mortgagee, and the annotated ownership certificate shall be returned to the mortgagor for safekeeping. The registration authority shall copy and file the relevant materials, and the registration materials are allowed to be consulted, copied or copied.