Housing mortgage loan is a kind of loan provided by banks to ensure the safety of loans. Legally obtain the lien and pledge of the borrower's property through certain contracts, the borrower's real estate, securities and other documents.

This kind of loan is actually that the debtor (mortgagor) transfers the property ownership to the creditor (mortgagee) according to law to obtain the loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral.

Priority can be given to repayment, which can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.

The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. As the borrowers of this housing loan are mostly individual residents, it is impossible for the bank to know the financial strength and credit status of the borrowers.

This increases the risk of bank loans. Mortgage loan only provides an effective guarantee for creditors to recover loans when the loan risk is high. Most of the housing loans granted by banks to individual residents are mortgage loans.

Extended data:

1. Mortgaged real estate is used for operation.

1. Preparation materials: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank transactions, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the financial statements of the last 1-3 years, and the bank's working capital, operation or financing use certificate.

2. Limitation: 70% of the appraised value of real estate can be used for commercial purposes.

3. Interest rate: According to different banking policies and borrowers' qualifications, the interest rate will rise by more than 20%.

4. Service life: generally within 5 years.

Second, the mortgaged property is used for personal consumption.

1. Preparation materials: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, large assets certificate and personal consumption certificate.

2. Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate will generally be implemented or it will rise by 65,438+00%.

3. Service life: generally within 10 years.

3. Mortgaged real estate for purchasing commercial houses.

1. Preparation materials: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, proof of large assets, and commercial housing purchase contract.

Four, housing mortgage bank loan procedures:

1. It is necessary to open a current deposit account with a banking institution.

Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank.

3. The person in charge of banking business or the appointed lawyer will come to investigate you to find out the authenticity, legality and integrity of the information you provide.

4. After the bank approves, it will inform you of the approval result and sign the loan contract.

5, according to the situation for insurance, mortgage registration, notarization and other procedures.

6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract.

7. Please repay the principal and interest according to the loan contract.

Five, rural housing mortgage loan procedures:

1. Valid identification of the borrower (mortgagor).

2. The ownership certificate of the mortgaged house and the corresponding land use right certificate (including the collective construction land use right certificate, the same below) have the same right subject.

3. The mortgagor (* * * owner) makes a written commitment to the ownership and mortgage status of the mortgaged house, and agrees to mortgage the house.

4. Written commitment of the mortgagor (* * * owner) to the residence of the mortgagor and his supporting and raising family members after the disposal of the mortgaged house (this commitment is signed by the village (community) where the mortgagor is located).

5. Other information deemed necessary by financial institutions.

Third-party rural housing shall not be used for mortgage loans.

Baidu encyclopedia-mortgage loan