The property is a resettlement house and can be mortgaged after obtaining the property right certificate for 5 years. The first condition of mortgage loan for resettlement houses is that the real estate license has been obtained, and the borrower is a natural person with full civil capacity, with legal and valid identity certificate, household registration certificate and marital status certificate, good credit record, willingness to repay, stable income source and the ability to repay the loan principal and interest in full and on time.

legal ground

Article 17 of the general principles of loans

The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made;

Two, in addition to the natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the industrial and commercial departments shall handle the annual inspection procedures;

3. basic account or general deposit account has been opened;

Four, unless otherwise stipulated in the State Council, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets;

Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender;

Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.

Can I apply for a loan?

If the resettlement house has obtained the property right certificate and does not restrict its external sale or transfer, it may apply for a mortgage loan.

Application conditions:

1, 18 to 60, a natural person with full capacity for civil conduct;

2. Have a stable occupation and income, good credit and repayment ability;

3. Other conditions stipulated by the bank.

Personal real estate mortgage loan application materials:

1, identification

2. Household registration book

3. Marriage certificate

4. Proof of income

5. Property certificate and evaluation report of mortgaged property.

6. Proof of loan use

7. Other information stipulated by the bank.

Extended data

Loan procedures:

1. The lender entrusts the Company to handle the loan procedures and submit the corresponding materials required for the loan;

2 for mortgage, pledge, pledge evaluation report;

3. Submit the loan application form to the loan bank, sign loan contracts and various agreements, and go through notarization and insurance procedures;

4. Bank approval;

5. The real estate bureau shall register the mortgage and handle his right certificate;

6. The bank confirms and issues loans.