The loan period is also stipulated. The loan period for new houses cannot exceed 30 years, for second-hand houses cannot exceed 20 years, and 70% of the appraised value of houses is the loan amount; The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China.
During the repayment period, the property right of the house is still managed by the property owner himself, and the bank only charges interest on time, and has no right to manage the house. After the loan is paid off, the property owner can recover the mortgage of the house deed. If the mortgagor defaults, the creditor has the right to dispose of the mortgaged house.
When signing a contract before mortgage, both parties should be honest and trustworthy, achieve the principle of mutual benefit, and protect the legitimate rights and interests of both parties. Party A signs this contract with the loan from Party B as the guarantee. The borrower and the lender must be present to jointly sign the contract. Be sure to read every clause and detail in the contract carefully before signing it. If there is a dispute in the future, the contract is the legal basis.
To apply for a mortgage loan, you must first register your business and submit the application materials.
1, mortgage contract;
2. application;
3. Submit the property ownership certificate;
4, need to be approved by the relevant departments, submit the relevant departments agreed to set the mortgage documents;
5, the identity certificate or legal person qualification certificate of the parties, if it is an entrusted agent to apply for registration, but also submit a power of attorney, the identity certificate of the agent;
6, non-residential housing mortgage need to submit land use certificate;
7, if the collective ownership enterprise housing mortgage submitted to the workers' congress resolution;
Loan process
Step 1: The borrower submits the required documents: land use certificate, real estate certificate or house ownership certificate, borrower's ID card and household registration book.
And prepare the corresponding documents according to whether you are single, married or divorced? .
The second step: the evaluation of the house, according to the floor, location, area and so on to estimate the approximate value of the house.
Step 3: Sign the mortgage loan contract.
Step 4: Only the borrower and the lender go to the notary office for notarization.
Step 5: The company sends people to assist the borrower to apply for the mortgage certificate from the lender.
Step 6: After all formalities are completed, the lender will deposit the cash into the borrower's account.
Do you have a new understanding of the mortgage of the house after reading the article? Today, Bian Xiao will introduce you here. If you want to know more information, please continue to pay attention to our website.
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