The first category: used for daily consumption. In order to pay for consumption, mortgage the house to obtain funds, including house decoration, buying a car, studying abroad, traveling, buying large durable goods, etc. They are all for personal daily consumption.
The second category: used in enterprise management. The funds obtained by mortgaging the house can be used for legal production and business activities such as purchasing or updating business equipment and paying the rent of leased business premises.
In addition, the purchase of commercial housing can not be paid in one lump sum, and it is feasible to pay the house price with the existing mortgage loan to a certain extent, and the loan officer needs to be consulted for details.
Extended data:
Housing mortgage loan application materials:
1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan).
2. Identity cards of the obligee and his spouse.
3. The household registration book of the obligee and spouse.
4. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )。
5. If the property owner has minor children, please provide birth certificate.
6. If the property still has a bank loan, please provide the original loan contract and the last bank statement.
In order to improve the pass rate of mortgage loan, please provide as many other family property certificates as possible (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).
Baidu encyclopedia-house mortgage loan