Nowadays, many people will not choose to buy a house in full. Most people think that buying a house in full is a large sum and can't afford it. Some people will choose mortgage to buy a house even if they have the ability, which can reduce the economic pressure. 1. What does a mortgage house mean? Mortgaged house refers to a loan that an individual pays a certain proportion of the down payment under the condition that the property he purchases has a title certificate, a house or a commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral. After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form. The main feature of a mortgaged house is that the property right of the house is mortgaged to the bank, and the property owner may not sell the house without authorization. Mortgage: There are two forms: legal mortgage and legitimate mortgage. Legal mortgage: refers to the transfer of existing real estate to the mortgagee as repayment guarantee; Righteous mortgage is to transfer the future real estate (such as uncompleted residential flats) to the mortgagee as a repayment guarantee. Second, what is the mortgage to buy a house process? 1. Buyers need to go to the bank to understand the relevant situation and apply for personal housing loans with relevant information. Then the bank will review the buyers and then determine the loan amount. 2. Next, the bank will handle the loan contract, and then handle the property mortgage registration and notarization. The rest is the cancellation of registration after the bank issues the loan and the borrower repays the loan every month and pays off the principal and interest. 3. The materials and procedures required to handle the house purchase loan are as follows: household registration book, marriage certificate, ID card, income certificate, bank account and house purchase contract (provided that both husband and wife are married). Conditions: As long as there is a stable income and bank account, there is a bank account every month, and the monthly income on the income certificate needs to be twice as much as the monthly payment. For a bank, it is impossible to be overdue three times in a row, six times in two years, and it is based on the family. 3. What procedures are required for mortgage purchase? 1. Mortgage housing must first have the identity card of the purchaser, the original household registration book of the purchaser, and 6 copies of these documents. If you get married, you need the common documents of both husband and wife. Mortgage to buy a house needs to prepare the original price of our marriage certificate, and other marriage certificates need two copies. 2. You need to provide the buyer's marriage certificate or unmarried certificate. In addition, if you divorce, you need a divorce certificate and a divorce certificate. You need loan qualification when you are in mortgage to buy a house, so you need to prepare your original income certificate when you buy a house. 3. In addition, if there is no unit, you need proof from the relevant departments in your community or area. Marriage requires the documents of both husband and wife. We also need to prepare a bank running bill for at least half a year, which is generally more than twice the monthly payment. You can provide driving licenses, stocks and other materials that can prove your repayment ability, which is convenient for banks to check and verify. You need to apply for a property certificate that you bought a house. This requires your originality. We can go to the Housing Authority in your area when applying. The Housing Authority will issue a certificate to you soon after general verification.

Legal objectivity:

Measures for the administration of individual housing loans

Article 7

The borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.