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What are the procedures for handling real estate mortgage loans in Beijing?
1. Handling procedures: submission of materials-acceptance-obtaining the certificate within ten working days.

Second, the information that must be submitted:

Original application for registration of general mortgage establishment (1); (2) the identity certificate of the applicant; (3) Property Ownership Certificate (original and photocopy). If there are houses in common, the original written opinions of the co-owners agreeing to mortgage shall also be submitted (except that the co-owners jointly sign the mortgage contract); If several co-owned houses are mortgaged with all their shares, there is no need to provide the joint ownership certificate of other co-owners and the written certificate of co-owners agreeing to mortgage (4) State-owned land use certificate (all properties); (5) Original creditor's rights contract and original mortgage contract; (6) If the mortgage advance notice registration is not handled and the house transfer registration and mortgage registration are applied at the same time, the original statement signed by the mortgagee that he will lend to the lender after receiving the house ownership certificate shall be submitted; (7) If the purchased public housing is mortgaged, submit the original purchase contract; if the purchased public housing is mortgaged, submit the original confirmation form for listing and sales of central production housing; (8) The original list of houses that have been sold and registered for transfer (real estate development project) recognized by the mortgage parties.

Tips for mortgage transfer registration:

The legally registered mortgage right is transferred due to the transfer of the principal creditor's rights; Apply by both parties to the mortgage transfer.

Original application for registration; The identity certificate of the applicant; Housing ownership certificate; Other original certificates of property rights; The original documents proving that the principal creditor's rights have been transferred and the original mortgage transfer agreement.

Tips for mortgage change registration:

Due to the change of the name of the mortgagor or debtor; Where the amount of secured creditor's rights, the scope of guarantee, the time limit for debt performance, the area of mortgaged house, the location of mortgaged house, the sequence of mortgage and other matters change, the registration of mortgage change shall be handled.

Original application for registration; The identity certificate of the applicant; Other original certificates of property rights; The original of the changed house ownership certificate (involving the contents of the house registration) or the original of the house ownership certificate before the change (the house change registration and mortgage change registration shall be handled together); The original written agreement between the mortgagor and the mortgagee to change the mortgage right; Agreement on the change of the amount or ranking of secured creditor's rights (original, secured creditor's rights or ranking change); If there are other mortgagees, the original written consent documents of other mortgagees shall also be submitted. Original application for cancellation of mortgage registration (which can be unilaterally applied by the mortgagee); The identity certificate of the applicant; Other original certificates of property rights; ) the original of the house ownership certificate; Original agreement or valid legal document on the cancellation of mortgage right.

Three. Identification of the applicant:

Residents of this city: resident identity card (minors can provide household registration book when applying for housing registration);

Residents of other provinces and cities: resident ID card, and household registration book can be provided when minors apply for housing registration;

Four. Relevant entrustment and notarization certificate:

1 If the entrusted agent is registered, submit the original power of attorney, the identity certificate of the principal and the identity certificate of the trustee; The entrusted matters and authority recorded in the power of attorney shall be clear; If the power of attorney is notarized, the original identity certificate of the client may no longer be examined;

2. If an individual house is registered as a mortgage, the power of attorney of the mortgagor shall be notarized, except that the financial institution agrees to the authorization of the mortgagor in writing.

If notarization is not required, the power of attorney of the mortgagor may not be notarized, and the copy of the client's identity certificate may not be checked with the original;

3. If the mortgagee is a natural person at the time of mortgage cancellation registration, the power of attorney shall be notarized;

The power of attorney and relevant registration materials of overseas legal persons, other organizations and individuals shall be notarized. Notarial certificate issued by Hong Kong shall be issued by

China Legal Service (HK) Co., Ltd. stamped with the special seal for transmission; Notarial certificate issued by Taiwan Province Province shall be issued by China Notary Association or

Confirmed by Beijing Notary Association; Where a foreign applicant entrusts an agent to apply for housing registration, its power of attorney and relevant registration materials.

The materials shall be notarized. Documents notarized abroad must be certified by Chinese embassies and consulates in that country; No diplomatic relations with China.

Country, certified by embassies and consulates in China of a third country with which it has diplomatic relations with China.

5. If a person without (limited) capacity for civil conduct is registered, the guardian shall apply for it and submit the guardian's identity certificate.

Identity card or household registration book of the ward (minor), household registration book or other certificates that prove the legal guardianship relationship.

Guardianship legal documents;

To apply for registration and disposition of a minor's house, a written guarantee issued by the guardian for the benefit of the ward shall also be provided.

Original certificate.

7. If the parties agree that the contract will take effect after notarization, they shall submit the original notarized documents related to the contract;

If the application materials for registration are in a foreign language, the notarized original Chinese translation shall be submitted at the same time.

Verb (abbreviation of verb) Note:

1. If the original is not needed, a copy shall be submitted to verify the original; If the original cannot be verified, a copy confirmed by the competent authority to be consistent with the original shall be submitted. All copies are made of A4 paper.

2. Writing should use black, blue-black pens and signature pens.

3. The applicant shall cooperate with the staff of the registration authority to accept inquiries about registration issues.

4. If a mortgage is established by purchasing affordable housing or price-limited commercial housing for less than 5 years, the parties to the mortgage shall submit the original agreement executed in accordance with the Administrative Measures of Beijing Municipality on Affordable Housing (Trial) or the Administrative Measures of Beijing Municipality on Price-limited Commercial Housing (Trial); If the affordable housing in central China is mortgaged, the parties to the mortgage shall also submit the original agreement signed in accordance with the relevant regulations on the listing of affordable housing in central China at that time when disposing of the collateral.

If the mortgaged property is jointly owned by the applicant's husband and wife, a marriage certificate (proof of marriage relationship) shall be submitted and approved by the spouse.

Original written mortgage certificate (except that the mortgage contract is signed by both husband and wife or is not required by the mortgagee).

Beijing Real Estate Transaction Management Network, website: www.bjfdc.gov.cn.

Website of Beijing Chaoyang District Housing Authority:

Tel: 85839922 ext. 1 15 of Chaoyang District House Registration and Certification Hall.

Chaoyang district government hotline: 96 105.