Real estate mortgage loan refers to a loan made by the borrower using his own or third-party property (including houses, offices, shops, factories, etc.). ) as a mortgage for personal comprehensive consumption, it is repaid by mortgage.

Basic requirements for office mortgage loan:

1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;

2. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;

4. Strong mobility, intact real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management, etc., without disputes and problems, which are not within the scope of government planned demolition;

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit period+age is not more than 40 years in principle; If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit term+house age is not more than 30 years in principle;

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.

The above six points are just some basic requirements. Whether the specific office building meets the conditions of bank mortgage loan needs to be confirmed with the handling bank when applying for a loan.

Office mortgage loan process:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank face to face;

4. Bank filing and approval;

5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank directly transfers the loan to the account agreed in the contract;

10. The borrower repays the loan principal and interest according to the loan contract.

1 1, through loans.