How to handle private mortgage?

What about the mortgage procedure of private property?

Within 30 days from the date of signing the real estate mortgage contract in private lending, the mortgage parties shall go to the house where the real estate is located.

The housing management department shall go through the formalities of real estate mortgage registration, and the real estate mortgage contract in private lending shall be established from the date of mortgage registration.

Effective. When handling the registration of private lending houses, the mortgage parties shall submit the following documents:

(l) Private lending master contract and private lending mortgage contract;

(2) the identity certificate or legal person qualification certificate of the private lending mortgagor;

(3) An application for mortgage registration;

(4) The State-owned Land Use Certificate, House Ownership Certificate or House Ownership Certificate, and some houses must be submitted.

Property ownership certificate and other certificates that * * * people agree to mortgage;

(five) with the pre-sale of commercial housing as collateral, it shall submit a valid contract for the pre-sale of commercial housing;

(6) Documents and certification materials that can prove that the mortgagor has the right to set mortgage rights;

(seven) materials that can prove the value of the mortgaged real estate; Such as an effective real estate appraisal report;

(8) Other documents deemed necessary by the registration authority.

The registration authority shall review the mortgage application, and if the ownership is clear and the supporting materials are complete, it shall begin to handle it from the date of acceptance of registration.

/kloc-Give a written reply on whether to approve the registration within 0/5 days, and register and issue certificates:

(l) If the real estate that has obtained the ownership of the house is mortgaged according to law, the registration authority shall make other items on the original Certificate of Real Estate Ownership.

Transfer the right record to the mortgagor and issue the house ownership certificate to the mortgagor at the same time;

(2) If the pre-sale of commercial housing or the project under construction is mortgaged, the registration authority shall record the mortgaged real estate in the mortgage contract.

If the project is completed during the mortgage period, after the mortgagor obtains the certificate of real estate ownership, the parties concerned shall re-register the real estate mortgage.

What is the process of private loan mortgage? Trouble?

In the process, I will look at the real estate license, see the house on the spot, transfer the information to the Housing Authority, notarize the loan to the notary office, and pledge all my personal documents.

To be on the safe side, I suggest you apply for mortgage loans from banks, or you can apply for real estate pawn financing from private financial institutions. But don't go to any usury underground bank, which is very stressful for repayment.

What is the process of private mortgage loan?

I. Preparation for signing the contract:

1. Make signing documents such as I. Second-hand Housing (Land) Mortgage Loan Contract or Real Estate Mortgage Loan Contract or Guarantee/Guarantee Contract.

2. Verify in advance the identity authenticity of the property owner, that is, your uncle, understand the household registration information (that is, various relatives or identity relationships) of the above-mentioned people, consult the real estate registration book (that is, registration materials) of the city where the property is mortgaged, and consult the notarized power of attorney, appraisal certificate, house sales contract (second-hand house, first-hand house, auction house), etc.

Second, the signing stage

1. Check and copy the ID card, birth certificate, household registration book (or household registration certificate, household registration book, household registration book), marriage/divorce certificate (or divorce judgment, divorce mediation book, marriage certificate) and other original documents indicating the identity, household registration and marriage relationship of the borrower/mortgagor, and formally identify personal identity information and household registration relationship.

2. Explain and require the borrower/mortgagor to sign the second-hand house (land) mortgage loan contract or real estate mortgage loan contract or guarantee/guarantee contract. Other signing documents include single commitment letter, spouse agreement, self-occupation commitment letter, rental notice, power of attorney, etc. This link is more important.

3. If the trustee signs a second-hand house (land) production mortgage loan contract or a real estate mortgage loan contract or a guarantee/guarantee contract and handles mortgage registration, it is necessary to carefully check the notarized or certified original power of attorney, check the location of the mortgaged real estate, entrusted matters, entrusted authority and other information, and kindly remind the trustee according to the experience of handling mortgage registration; At the same time, if we need to entrust our firm or a third party to handle mortgage registration, we must make an appointment with the notary office in advance to handle notarization procedures or inform them to go to the notary office by themselves afterwards.

Third, the specific process:

1. Appraisal (please ask your friends in the bank to appraise your uncle's property and issue an appraisal report to see how much credit there is).

2. Face-to-face signing (signing loan contract with uncle, loan interest rate, service life, etc.) ...........................................................................................................................................

3. Approval (you will review the authenticity of your information, your personal information and income, etc ...)

4. Mortgage notarization (uncle and your father go to the local notary office for notarization)

5. Lending money (your father can lend money to your uncle when he gets the mortgage certificate)

Required information:

1. Husband and wife ID card, household registration book, marriage certificate and real estate license.

2. Income certificate (where the unit proves that it has income from working in this unit)

3. Daily account (details of bank card receipt in the past six months or one year)

How to register private lending real estate mortgage

Within 30 days from the date of signing the private lending real estate mortgage contract, the mortgage parties shall go through the formalities of real estate mortgage registration at the housing management department where the real estate is located, and the private lending real estate mortgage contract shall take effect from the date of mortgage registration. When registering private lending houses, the mortgage parties shall submit the following documents: (1) private lending master contract and private lending mortgage contract; (2) the identity certificate or legal person qualification certificate of the private lending mortgagor; (3) An application for mortgage registration; (4) State-owned land use certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted; (five) with the pre-sale of commercial housing as collateral, it shall submit a valid contract for the pre-sale of commercial housing; (6) Documents and certification materials that can prove that the mortgagor has the right to set mortgage rights; (seven) materials that can prove the value of the mortgaged real estate; Such as an effective real estate appraisal report; (8) Other documents deemed necessary by the registration authority. The registration authority shall examine the mortgage application. If the ownership is clear and the certification materials are complete, a written reply on whether to approve the registration shall be made within 15 days from the date of accepting the registration, and the registration certificate shall be issued: (1) If the real estate with legally obtained house ownership is mortgaged, the registration authority shall record his rights in the original house ownership certificate, hand it over to the mortgagor, and issue the house ownership certificate to the mortgagor at the same time; (two) the pre-sale of commercial housing or the mortgage of projects under construction, the registration authority shall record it in the mortgage contract. If the mortgaged real estate is completed during the mortgage period, after the mortgagor obtains the certificate of real estate ownership, the parties concerned shall re-register the real estate mortgage.

What are the procedures for private lending and real estate mortgage

Hello! You need the cooperation of the other party, take the real estate license to the housing management department for mortgage registration, and the mortgage will not take effect until you obtain his right certificate. It doesn't mean that the house is yours if you don't pay back the money, but you have the priority to be compensated when the court executes the mortgage. Interest can be four times the interest rate of similar loans of banks, which is not supported by some courts.

Private real estate mortgage problem

Because your grandmother is the owner of the house and has signed it, and the house has been registered as a mortgage, the lawsuit of that person taking the house from the court can basically be supported, but I don't know what your high interest rate means, because according to the law, the high interest rate cannot exceed 4 times of the bank interest in the same period. If it exceeds, you can claim 4 times interest, so I don't know if you have the ability to repay it.

How to do private lending for real estate mortgage?

The Supreme People's Court stipulated in "Reply on How to Confirm the Effectiveness of Lending between Citizens and Enterprises": "Lending between citizens and non-financial enterprises (hereinafter referred to as enterprises) belongs to private lending, and it can be recognized as effective as long as the intentions of both parties are true. However, in any of the following circumstances, it shall be deemed invalid: 1. The enterprise illegally raises funds from employees in the name of lending; Second, enterprises illegally raise funds from the society in the name of lending; Three, enterprises in the name of lending loans to the public; 4. There are other acts that violate laws and administrative regulations. " At the same time, the Supreme People's Court also stipulated in "Several Opinions on People's Courts Handling Loan Cases": "The interest rate of private lending can be higher than that of banks, but the maximum shall not exceed four times that of similar loans of banks; Interest within 4 times is protected by law, and the excess is not protected by law. "

Due to the tight liquidity of the company, the bank refused to lend. If a loan contract is signed with an individual, the loan contract is valid, but the part whose interest exceeds 4 times of the bank's loan interest rate for the same period is unprotected to obtain a loan:

Debit: the amount of bank deposit borrowed.

Loans: other loans payable.

For interest, whether it should be treated as financial expenses or capitalization should be determined according to the purpose of borrowing, and the interest of general working capital loans should be treated as financial expenses. An invoice must be provided to record interest, and the lender can apply to the tax bureau for an invoice.

Provisions on pre-tax deduction of interest on loans from enterprises to individuals

Article 6 of the Provisional Regulations on Enterprise Income Tax in People's Republic of China (PRC) stipulates that "during the period of production and operation, the interest expenses of taxpayers borrowing from financial institutions shall be deducted according to the facts; The interest expense of borrowing from non-financial institutions is not higher than the amount calculated according to the loan interest rate of similar financial institutions in the same period, and deduction is allowed. " If the interest of your company's personal loan is paid according to the bank's loan interest for the same period, it can be deducted in full before tax. If it is higher than the bank's loan interest rate for the same period, tax adjustment should be made.

This answer should be no problem.

What if private loans are mortgaged?

Process of handling real estate mortgage loan:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Go to the designated institution of the bank to evaluate the real estate;

4. In front of the bank;

5. Bank filing and approval;

6. Approve the next batch of loan letters;

7. Go to the local construction committee for mortgage registration, and the construction committee will issue his right certificate;

8. About the number of branches;

9. Bank loans;