First, what should I pay attention to when the real estate license is mortgaged to individuals?
1. People in the real estate sector pointed out that with the increasingly frequent economic activities of citizens, there are more and more cases of mortgage loans with real estate licenses, and the incidents of forging real estate licenses have also increased. Therefore, when people borrow money from themselves with real estate licenses, they must first go to the real estate department to check the real estate files. The masses should take good care of their real estate licenses, identity cards and other documents, and do not easily disclose important personal information to prevent theft and "cloning"; When you lend money to others, don't be tempted by high profits, and don't easily sign a loan contract based on the house property certificate and the suspect's one-sided statement. You should go to the house according to the address on the property ownership certificate, and verify the authenticity of the property ownership certificate and whether the borrower is the property owner.
Second, bank loan officers should strengthen the pre-lending investigation, especially strictly examine the true identity of the lender, not only check the name, gender, nationality, date of birth, address, citizen ID card and other items, but also check the photos.
Third, how to mortgage the real estate license?
1. Borrower prepares relevant materials: Before the loan, the borrower needs to provide many materials to the bank, including ID card, household registration book, marriage certificate, real estate license and house purchase contract.
2. Bank statement: According to the value of the house, the bank's mortgage amount is different. In addition to mortgage real estate license, banks also need borrowers to have good credit and economic strength to better avoid risks, so most banks will require borrowers to provide bank running statements of their personal accounts for nearly half a year.
3. Apply for a loan from the bank: the amount of housing loan is generally more than 5,000 yuan, and the value of the property is less than 70%. The expected annualized interest rate of the loan will be raised by a certain percentage according to the benchmark expected annualized interest rate of the central bank. The loan term is generally 5 to 30 years, and the repayment method generally includes equal principal and interest and average capital. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation.
4. Banks review mortgage loans: After applying for mortgage loans, banks begin to review the qualifications of borrowers.
5. After the bank has passed the examination of the borrower's mortgage and agreed to issue the loan, the borrower needs to go through the mortgage registration formalities with the local delivery room management department at or above the county level and the bank salesman.
6. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. However, because it is a housing loan, generally speaking, the bank loan will be paid directly to the account of the real estate developer, not directly to the borrower.
Legal basis:
Article 400th of the Civil Code of People's Republic of China (PRC) establishes a mortgage, and the parties shall conclude a mortgage contract in writing.
A mortgage contract generally includes the following clauses:
Type and amount of secured creditor's rights
Time limit for debtor to perform debt
(3) Name and quantity of the collateral.
(4) Scope of guarantee.