Borrowers can take their parents' houses as mortgage loans, but they must obtain your parents' consent and the signature of the property owner when handling them. The processing flow of real estate mortgage loan is: 1. Bring relevant materials to the outlets of commercial banks to apply for loans; 2. Go to the appraisal institution designated by the bank to appraise the mortgaged house; 3. The bank conducts an audit; 4. Sign a loan contract after approval; 5. The borrower handles mortgage registration and other procedures; 6. Bank Loans The main profit source of commercial banks is credit loans, because banks face many risks in the financial activities of loans, such as profit risk, credit risk and liquidity risk. Therefore, from 65438 to 0995, the People's Bank of China promulgated the Law on Commercial Banks. The loan activities of commercial banks are instructive and binding. Loan procedures: 1. Loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information. (1) Basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan; (3) Rectification of original unreasonable loans; (4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention; 5] Project proposal and feasibility report; (6) Other relevant information deemed necessary by the Bank. 2. Credit rating evaluation. The bank evaluates the borrower's credit rating. 3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers. 4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval. 5. sign a contract. The bank signs a loan contract with the borrower. 6. Loan issuance. The bank issues loans on schedule according to the loan contract. 7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation. 8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

Second, children transfer property to their parents. Can parents apply for a mortgage loan?

Theoretically, it is possible. Like ordinary people, they apply for second-hand housing mortgage loans and go through the buying and selling procedures. However, in reality, if banks know the situation, they will refuse it on the grounds of "fake buying and selling housing procedures and taking loans". There have been such cases! Unless you do your banking well in advance ~

After going through the formalities of buying and selling, they will transfer their ownership and pay taxes like ordinary people: the children are sellers and the parents are buyers, depending on whether the house is more than five years old. Is this the only house? Is it the first time for parents to buy a house? Evaluate the price, area, etc. Payment shall be made as follows:

1, mapping fee 1.36 yuan/square, buyer;

2. The appraisal fee is 0.5% (the appraisal amount is allowed to float), and the buyer;

3. Within the first 90 square meters 1%, within the first 90 square meters 1.5%, and exceeding 144 square meters or 3% for the first time, the buyer shall pay;

4. The income tax shall be borne by the seller, and the tax rate is 65438+ 0% of the total amount, and the only house will be reduced or exempted after five years;

5. Transaction fee 6/ square, both parties;

6. The production cost is 80 yuan, and the buyer (5 yuan) is the buyer;

7.5.56% of the business tax shall be paid by the seller, which can be reduced or exempted for ordinary houses after five years.

Try to do your work well in advance ~

Third, how to borrow money from parents' home?

According to your situation, there are two ways: 1. I don't know if the bank is willing to lend you a loan. 2. Borrow from the guarantee company, but the interest is slightly higher than that of the bank. But it's more convenient and faster. The formalities are your ID card, the letter of guarantee provided by your parents, and then the real estate license, marriage certificate, household registration book and so on.

4. How can I get a loan for my parents' 70-year-old house?

The legal classification is 18-65 years old.

Also meet the following points

Application conditions:

1, with China nationality (excluding Hong Kong, Macao and Taiwan residents)

2. The monthly income of punching cards is not less than 2,000 yuan, and he works and lives locally.

3. At present, the company has officially registered employees who have worked for 6 months.

4, the card salary is more than 3,000 yuan (social security, provident fund must be on the job, civil servants have no social security.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.