The materials provided are as follows:
1, existing home mortgage
(1) Real estate mortgage contract (signed by both husband and wife);
(2) the house ownership certificate;
(3) Copy of land use right certificate (original inspection);
(4) A real estate appraisal report issued by a qualified appraisal agency;
(5) Bank loan contract;
(6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles.
2. Faster mortgage
(1) Purchase pre-sale contract;
(2) signing a house purchase loan contract with the bank;
(3) Copy of the house purchase prepayment receipt (original inspection);
(4) A copy of the marriage certificate of husband and wife (original inspection), a certificate issued by the civil affairs department where the household registration is located;
(5) A copy of the ID card of both husband and wife (original inspection).
Status of mortgaged property:
Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; Age of the house (calculated from the date of completion of the house)+loan period not exceeding 40 years; Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
How to handle mortgage loan:
Most property buyers will have such concerns when buying a house loan. They use the house as a mortgage loan. Will the real estate license be mortgaged to the bank? In fact, many banks do not pledge real estate licenses.
The word mortgage in mortgage loan means that the borrower needs to go through the formalities of mortgage registration. When handling, you need to bring your ID card, the loan contract signed with the bank, the ownership of the house and other materials, and fill out the mortgage registration application form at the district and county real estate bureau where the house is located. In addition, if the property belongs to the property jointly owned by the borrower and the spouse, the written consent of the * * * owner or the joint attendance at the mortgage registration formalities is required.
When the real estate bureau handles mortgage registration, it will not only issue other house warrants required by the bank, but also affix a mortgage seal on the real estate license to show that it has been mortgaged. After that, the borrower brings the original real estate license (after the bank checks it, leave a copy) and other related materials to the bank.
Finally, after the loan is paid off, the borrower still needs to bring the real estate license, ID card, loan settlement certificate given by the bank, other property rights certificates and other related materials to the real estate bureau to handle the mortgage cancellation registration, and at the same time, the real estate bureau will stamp the mortgage cancellation stamp on the real estate license.
Beware of fraud when handling private housing mortgage loans;
Personal housing mortgage loan refers to the loan that customers apply to lending institutions or individuals with houses with real estate licenses, affordable housing, cost houses (including center delivery), dangerous houses, commercial houses, villas, writing rooms, shops and business premises, factories and land as collateral.
Generally speaking, private housing mortgage loans are not obtained through banks, but through mortgage guarantees between private institutions or individuals. The borrower only needs to evaluate the property under his own name and go through the mortgage registration formalities with the corresponding local authorities.
The Guide to Real Estate Mortgage Procedures is an important reference to help homeowners understand the procedures of real estate mortgage procedures. First of all, you need to consult the local real estate management department or relevant banking institutions and submit an application. Next, you need to prepare relevant materials, such as real estate license, ID card, loan contract, etc. , and fill in and copy as required. Then, you need to pay the corresponding formalities and wait for the approval result. Once approved, you will sign a mortgage contract with relevant institutions and go through relevant registration procedures. Finally, you need to fulfill the repayment obligation according to the contract. Please note that the specific procedures may be different in different regions and institutions. Please read the relevant regulations carefully or consult a professional before handling.
Legal basis:
People's Republic of China (PRC) City Real Estate Management Law (revised on 20 19);
Chapter IV Real Estate Transactions
Section 3 Real Estate Mortgage
Fiftieth real estate mortgage, the mortgagor and the mortgagee shall sign a written mortgage contract.