What is the purpose of mortgage loan?

First, the real estate mortgage related knowledge:

The netizen asked:

I want to use the property as collateral to get a loan from the bank, but I have to provide the loan purpose. I don't know how to do it. Or what should I provide to prove my use? What do you need to prepare? How can I get approval from the bank?

The lawyer's answer:

The purpose of the loan is why you need a loan, that is, what is the use of the money after the loan is completed. The purpose of the bank's request for a loan is to evaluate the feasibility of the loan.

Generally speaking, there are several main uses of housing mortgage loans, which you can fill out according to actual needs.

First, the mortgage loan for house purchase means that the purchase of commercial housing cannot be paid in one lump sum, and the house price is paid together with the mortgage loan for the house purchased;

Second, consumer mortgage loans are loans obtained by mortgage of houses to pay for consumption;

Third, the investment mortgage loan is to mortgage the house to obtain a loan to obtain investment funds.

What you said belongs to the latter two loan purposes. Just fill in your loan purpose truthfully, because the bank will ask you to provide proof of the loan purpose. If you don't fill it out truthfully and can't provide proof, the bank will not agree to the loan.

Real estate mortgage loan conditions:

To apply for a real estate mortgage loan, you need to meet some conditions. The sum of the borrower's age and the loan term is not more than 60 years old, and the personal consumption line loan object is over 18 years old. China citizens who have no bad credit record in the banking system and have full capacity for civil conduct will not accept the mortgage guarantee of minors' own property; The minimum construction area of the mortgaged property shall not be less than 30 square meters; The construction period of the mortgaged property is less than 20 years.

Second, personal housing mortgage loan.

Business profile

Personal housing mortgage loan is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to borrowers for personal legal and compliance purposes with the real estate under their names as collateral. Personal housing mortgage loan can be used for buying a house, buying a car, studying abroad, medical care and other consumer purposes. , and can also be used for commercial or other legal purposes to meet your diversified loan needs.

☆ Applicable object

The borrower of personal housing mortgage loan should be a natural person with full civil capacity, aged between 18 and 65 (inclusive), with good credit record and repayment willingness, and can provide effective staged guarantee.

☆ Characteristic advantages

1. The loan has a wide range of uses and convenient loan procedures;

2. The range of collateral is wide, and houses, commercial houses or dual-use houses under the borrower's name can be used for mortgage;

3. The loan amount is high and there are many repayment methods.

☆ Starting conditions

To obtain our personal housing mortgage loan, we need to meet the following conditions:

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation. If the loan is used to buy a house, they must also comply with the relevant policies for foreigners to buy a house in China;

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);

3. Have a good credit record and willingness to repay;

4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. There is a clear loan purpose; The purpose of the loan conforms to the national laws, regulations and relevant provisions, and promises that the loan will not flow into the securities market, futures market or be used for equity investment and real estate project development in any form, and will not be used for borrowing to seek illegal income, and other projects explicitly prohibited by national laws and regulations;

6. Can provide legal, effective and reliable house mortgage recognized by the bank;

7. Open a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by the bank.

If you plan to apply for personal housing mortgage loan, you need to prepare and provide the following information in advance:

1. Personal housing mortgage loan application form;

2. The original and photocopy of the valid identity certificate, household registration certificate (household registration book or other valid residence certificate) and marital status certificate of the borrower and his spouse;

3. Personal income certificate, such as personal tax payment certificate, salary certificate, investment income certificate and average financial assets certificate in our bank or other banks in the last 6 months;

4. Certificate or statement of loan use;

5. The ownership certificate of the mortgaged property. If the mortgaged property has obtained the land use right certificate, it shall also provide the land use right certificate; Certificate of the property owner (including * * * property owner) agreeing to mortgage; If the mortgaged property needs to be assessed, the original assessment report shall be provided;

6. Other documents or materials required by the bank.

Three. Personal housing loan of ICBC

Case: The client was glad that the couple had recently taken a fancy to a military house in Dalian. Because the real estate can't handle the personal housing mortgage loan business, the couple once sought the help of the loan intermediary company in order to raise money to buy a house, but the high financing cost worried them. His friend saw the publicity of ICBC's personal housing mortgage business in the newspaper and told him that he was very happy. So he happily applied for a loan from Dalian Branch of ICBC for a commercial house with a housing area of 97 square meters located in Longpan Jin Quan Community, Ganjingzi District, Dalian, and obtained a personal housing mortgage loan with a service life of 20 years and a benchmark interest rate of 10%. He not only successfully bought his favorite house, but also saved a lot of loan agency fees.

Personal housing mortgage loan business of Dalian Branch of Industrial and Commercial Bank of China refers to that the borrower applies to our bank for RMB secured loans for personal legal and compliance purposes in his own name (including his spouse) as collateral.

This service has the following features:

Personal housing mortgage loan has a wide range of uses, which can be used for personal purchase, car purchase, consumption, business and other legitimate purposes.

The loan period is long. The loan period can be up to 20 years.

Loan interest rate concessions. If the purpose of the loan is to buy a house, the loan interest rate can be lowered10% on the basis of the benchmark interest rate; If the purpose of the loan is to buy a car, the benchmark interest rate can be implemented according to the loan interest rate.

The loan amount is high, the loan ratio can reach 70% of the value of the collateral, and the maximum loan can reach 5 million yuan.

Personal housing mortgage loan application conditions:

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation. If the loan is used to buy a house, they must also comply with the relevant policies for foreigners to buy a house in China;

2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);

3. Have a good credit record and willingness to repay, a stable source of income and the ability to repay the loan principal and interest in full and on time;

4. There is a clear loan purpose, and the loan purpose is in line with national laws, regulations and relevant provisions;

5. Can provide legal, effective and reliable house mortgage recognized by our bank;

6. Other conditions stipulated by the bank.

Fourth, can the purchase contract be mortgaged?

Mortgage loan can only be handled with real estate license, and mortgage loan can be based on contract loan. Any bank can apply for a mortgage loan, and it needs the original real estate license, ID card, household registration book, marriage certificate/unmarried certificate, loan use information, etc. And apply to the bank. There are two reasons why the real estate license is not at hand:

1, you bought a first-hand building, and the property ownership certificate has not yet been issued;

2. The property is being loaned, and the original property certificate cannot be taken out in the bank.

Answer:

1. First-hand buildings can apply for mortgage loans. With the mortgage contract and your down payment certificate, plus your ID card, household registration book, marriage certificate/unmarried certificate, you can apply for a mortgage. Usually, the developer will provide a phased guarantee until your real estate license is issued and the mortgage is done.

2. If you are making a loan, the bank won't give you another loan just based on the purchase contract. You need to settle the loan from the last bank, take out the real estate license, and then apply for a loan from another bank (or the original bank). Note that mortgage loans require proof of the use of funds, and you can buy a house, decorate it, buy a car, etc. In addition, if you buy a first-hand property and want to sell it before the real estate license has been issued, you need a guarantee company to guarantee it, because your real estate license has not been issued yet. Even with the guarantee of the guarantee company, this kind of loan is still difficult to issue, and banks usually will not accept it.

Application conditions for mortgage loan of real estate license

(1) A natural person who has reached the age of 18 and is under the age of 60 and has full capacity for civil conduct;

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

(3) Other conditions stipulated by the bank.

Verb (abbreviation of verb) housing mortgage loan process

Application materials for mortgage loan of real estate license

1) logo

2) Hukou book

3) Marriage certificate

4) proof of income

5) Property right certificate and evaluation report of mortgaged property

6) Proof of loan use

7) Other information specified by the bank.

Proportion, duration and interest rate of mortgage loan of real estate license

The loan amount is determined according to the different loan purposes selected, but generally it does not exceed 60% of the assessed net value of mortgaged real estate; The fixed number of years is generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans.

Types of mortgage loans for real estate licenses

According to the different methods of interest calculation and principal repayment, real estate mortgage loans can be divided into the following categories:

(1) mortgage loan of real estate license-gradual mortgage loan. This kind of loan stipulates reasonable and unequal repayment amount according to the income level of the borrower during the repayment period, or the repayment amount is the same every time but the repayment interval is gradually getting smaller.

(2) Mortgage loan of real estate license-mortgage loan with decreasing repayment. This means that the principal of each installment is fixed first, and then the interest payable for each installment is calculated at the daily interest rate.

(3) Property mortgage loan-fixed interest mortgage loan. This refers to the practice that financial institutions fix the mortgage interest rate during the whole repayment period when issuing real estate mortgage loans.

(4) Mortgage of real estate license-renegotiate interest rate mortgage or rolling mortgage. This means allowing the mortgage loan to renegotiate the mortgage interest rate every three, four or five years during the repayment period.

(5) Real estate mortgage-in addition to proportional appreciation loans, accelerated repayment of principal mortgage and adjustable interest rate mortgage.

Loan procedure of mortgage loan with real estate license

(1) Borrower's pre-loan consultation: fill in the application for house mortgage,

Submit the following documents to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

(2) The bank examines the borrower's loan application, house purchase contract, agreement and related materials.

(3) The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

(4) The guarantors of both borrowers and borrowers sign the Housing Mortgage Loan Contract and notarize it.

(5) After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

Housing mortgage, need to explain the purpose? Isn't it a commercial bank?

Housing mortgage, need to explain the purpose. Housing mortgage loans must usually be commercial. Mortgage housing loan actually refers to the variety of commercial housing that customers already have that can be listed and circulated with mortgage bank loans. Unlike second-hand housing loans and first-hand housing loans, customers already own real estate, not about to own it. Mortgage housing loans need to have clear loan purposes and cannot be used for purposes explicitly prohibited by laws and regulations, such as real estate speculation and stock speculation. It is required that mortgage housing loans should be earmarked for special purposes and be supervised by lenders and regulatory agencies. If violations are found, the bank has the right to recover the loan. \ \ Housing mortgage loan conditions: \ 1. Materials that need to be prepared when the mortgaged property is used for operation: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, proof of large assets, etc. ; A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes. \ Amount: Generally, 70% of the appraised value of real estate can be applied for commercial purposes. \ Interest rate: According to the bank policy and the borrower's qualification, the interest rate will rise by more than 20% on the basis of the benchmark interest rate. \ Duration: generally not more than five years. 2. Mortgaged property is used for personal consumption. \ Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, proof of large assets, and proof of personal consumption. \ Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate or floating 10% is generally implemented. \ Duration: generally not exceeding 10 year. Materials to be prepared when mortgaged property is used to purchase commercial housing: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing.

What are the uses of mortgage loans?

Mortgage loans need to have clear loan purposes and cannot be used for purposes prohibited by laws and regulations. For example, real estate speculation is not allowed. It is required that mortgage housing loans should be earmarked for special purposes and subject to the supervision of loan issuing institutions and regulatory agencies. If violations are found, the bank has the right to recover the loan. Generally speaking, the following two purposes are more common: First, mortgage real estate for business. Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank statement, proof of large assets, etc. ; A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, and the company's bank operation, operation or financing documents. Amount: For general commercial purposes, you can apply for 70% of the value of real estate assessment at most. Interest rate: according to the bank policy and the borrower's qualification, the benchmark interest rate will rise by about 20%. Duration: generally not more than five years. Two. Materials to be prepared for personal consumption of mortgaged real estate: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank statement, large assets certificate and personal consumption certificate. Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate is generally 10% or floating. Year: generally within ten years. The above two forms are the two most common uses of mortgage loans. If qualified, you can refer to the following loan process: 1. You need to open a current deposit account with a banking institution; 2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank; 3. The bank agent or appointed lawyer visits you at home to investigate the authenticity, legality and integrity of the information you provide; 4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you; 5. Handle insurance, mortgage registration, notarization and other procedures as appropriate. 6. The bank directly transfers the loan to the account agreed in the contract; 7. Please repay the principal and interest according to the loan contract.

What purpose can mortgage be used for?

Can be used for business, car purchase, education, medical care, large-scale durable goods consumption and other legal and compliance purposes;

I. Housing requirements

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;

3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

Two. Requirements of the lender

China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

Extended data

Four types of real estate can not apply for mortgage loans.

1. The property with outstanding loans mortgaged by consumer loans must be the property without any mortgage or loan. If the property is mortgaged or the property is in a mortgaged state, the bank already owns other rights of the property, and the borrower mortgages the property again, the bank is not allowed.

Second, there are two situations in which some purchased public houses cannot apply for mortgage consumer loans. One is the purchased public houses that cannot provide the purchase contract or purchase agreement, because if there is a clause in the purchase contract that the original unit has the preemptive right, the bank cannot obtain other rights.

So the bank can't operate the mortgage loan of this property; The other is the delivery that can't provide the listing certificate of the delivery in the purchased public housing, because this kind of real estate can't be listed and traded, so it can't run business.

Three, less than five years of affordable housing relocation is one of the government's affordable housing, generally according to the management of affordable housing, or the nature of its housing belongs to affordable housing. According to the national policy, affordable housing with less than five years is not allowed to be listed and traded, nor can it apply for mortgage consumer loans.

Fourth, small property houses without real estate licenses For small property houses, if the residents have not obtained the real estate license, they only have the right to use the property without ownership, and they have not obtained the ownership certificate of the property. Therefore, this kind of real estate can not be listed and traded, can not be mortgaged to the Construction Committee, and can not apply for mortgage consumer loans.