Mortgage loan is a house loan applied to the bank, which is mainly used to buy a house; Xianfang mortgage loan is also a consumer mortgage loan. Using your existing real estate as collateral is mainly to realize consumption.
Second, the difference between pre-sale mortgage and existing home mortgage?
Pre-sale mortgage means that when the buyer buys the first-hand commercial house of the developer, the house has not been completed and accepted. Then, after the buyer completes the down payment, the developer registers the pre-sale mortgage in the housing management department, and then the bank lends the balance of the house purchase. Existing home mortgage loan is that the owner applies for mortgage loan in the bank with his own property right house. The difference between the two is that the auction house is used as collateral, and the ready-made property house is used as collateral.
3. Do you need to apply for a pre-sale permit for commercial housing for the sale of shops?
If it is a pre-sale, you should apply for a pre-sale permit for commercial housing after the real estate project starts. If it is an existing home sale, you don't need to apply for a pre-sale permit, but you can apply for a commercial housing sales permit after the house is completed and accepted.
Commercial housing sales (in the early stage, the district Guotufangguan Bureau is responsible.
4. What's the difference between mortgage of projects under construction, mortgage of pre-sale houses and mortgage of existing houses?
The above is the financing (loan) handled by the developer in the bank to obtain the real estate financing of the same real estate project. Mortgage of construction in progress refers to the financing obtained by the developer of unfinished projects with land ownership and above-ground buildings as collateral. Pre-sale mortgage refers to the financing that the real estate has been capped and the pre-sale permit has been obtained, and the existing house refers to the financing that the pre-sale house or the forward house mortgage is converted into the existing house mortgage after obtaining the property right certificate.