The loan process for purchasing a shared property house in Beijing is as follows.
1. The borrower applies for a loan at a bank outlet, fills in a paper application form and submits relevant materials.
2. The bank will approve the loan according to the materials submitted by the borrower.
3. After the loan is approved, the bank informs the borrower to sign the contract at the outlet.
Can a shared property house be mortgaged?
Shared property houses can be mortgaged. According to the relevant laws, if some resettlement houses have obtained housing rights, and there are no special regulations that cannot be sold to the outside world, or the period of non-transfer has expired, such resettlement houses are no different from ordinary houses, and such resettlement houses can be bought and sold. In other words, if you encounter financial problems, you can apply for a loan with the mortgage of the resettlement house. According to Article 184 of the Civil Code of People's Republic of China (PRC), property with unclear ownership and use right or disputed property shall not be mortgaged.
People's Republic of China (PRC) Civil Code
Article 184
The following properties shall not be mortgaged:
1, land ownership;
2, arable land, homestead, private plots, private hills and other collectively owned land use rights, except that the law can be mortgaged;
3, schools, kindergartens, hospitals and other public institutions, social organizations, educational facilities, medical and health facilities and other social welfare facilities;
4. Property whose ownership and use right are unknown or controversial;
5. Property that has been sealed up, detained or supervised according to law;
6. Other properties that may not be mortgaged according to laws and administrative regulations.
Can a co-owner of a house get a loan?
Co-owners of houses can borrow money. The ownership of the right property belongs to each co-owner, and the jointly owned property can also be used for mortgage loans, but there are certain conditions. Only after obtaining the written consent of another co-owner, the co-owner who has obtained the consent can use the property for mortgage loan.
Legal analysis
When using a mortgage loan with common property rights, if the mortgage is set with a share of real estate, the loan should be mortgaged with all the shares of the borrower; Where common property is mortgaged, property mortgage. If the mortgaged property needs to be realized, other co-owners shall bear joint and several liabilities. Therefore, it is also possible to apply for mortgage loan of common property, but the process is much more troublesome than that of private property, because the written consent of each co-owner must be obtained before mortgage. The house can be mortgaged, and the lease does not affect the mortgagee's priority of compensation. If the mortgagor mortgages the leased property, the lease contract shall remain valid for the transferee of the mortgaged property within the validity period after the realization of the mortgage right. The validity of the lease contract extends to the buyer. The lease relationship is directly aimed at the right to use and income of the house, while the mortgage is aimed at the exchange value of the house. There is no essential conflict between the two, and the lessor can exercise the right to dispose of the house completely. If the mortgagee agrees to mortgage the rented house, the risk shall be borne by himself, and the mortgagee cannot use this right against the lease right. The realization of mortgage right will not affect the performance of the lease contract.
legal ground
Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.
Interim Measures for Special Additional Deduction of Individual Income Tax
Twenty-first taxpayers should keep housing lease contracts, agreements and other related information for future reference.
Twentieth taxpayers and their spouses can not enjoy the special additional deduction of housing loan interest and housing rent at the same time in a tax year.
Two people jointly own the property, can one party mortgage the loan?
The mortgage loan process is as follows:
1. application
The borrower applies for a loan from the bank and prepares the loan information as required.
Step 2 Submit information
Submit loan information to the bank, including my valid ID card, income certificate, work certificate, real estate license, etc.
3. Housing assessment
The appraisal company designated by the bank conducts on-the-spot investigation and appraisal of the mortgaged house.
4. Submit the evaluation report
Appraisal companies submit appraisal reports to banks.
5. Sign a loan contract
If the borrower's qualification and mortgaged house meet the loan requirements, both parties will sign a loan contract.
6. Bank audit
The bank will review the borrower according to the information submitted by the borrower and the borrower's own qualifications, and will make a verification call for review.
7. The bank's next loan notice
After approval, the bank will issue a loan letter to confirm that the loan can be made.
8. Mortgage registration
The bank shall go through the mortgage registration formalities at the Housing Authority with the property right certificate and loan contract.
9. About the feeder line
The branch company applied to the head office for quota.
10 bank loan
After all the formalities are completed, the bank can issue loans to borrowers.
Application materials:
1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);
2. Identity cards of the obligee and his spouse;
3. The household registration book of the obligee and spouse;
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income;
6. If the owner of the real estate license has minor children, please provide a birth certificate;
7. If there is a bank loan in the property, please provide the original loan contract and the last bank statement;
8. In order to improve the pass rate of mortgage loan, please provide as many other family property certificates as possible.