In Tianjin, we have the ability to bear the down payment of the house price after the fire, and it is already a very good family, so many of us buy houses through mortgage loans, which really solves our total house payment. Then, can Tianjin public houses be mortgaged? What are the mortgage policies of Tianjin public houses? In Tianjin, we can afford the down payment of the starting price, which is already a very good family, so many of us buy houses through mortgage loans, which really solves our total house payment. Then, can Tianjin public houses be mortgaged? What are the mortgage policies of Tianjin public houses?

1. Can Tianjin public houses be mortgaged?

1. Under normal circumstances, public houses cannot be mortgaged. If an agreement is signed with the unit at the time of purchase, the bank can only accept it if the unit does not have the preemptive right. The interest rate is 5.3 1%-5.94%, depending on the loan term. Not only banks can do it, but it is safe to borrow from banks, and private guarantee and pledge companies can also do it, but it is more dangerous.

2. One of the circumstances in which the purchased public houses cannot apply for real estate mortgage loans. Although it has purchased public houses, it is impossible to provide the listing certificate of the center delivery. For everyone who plans to live ahead of time, it may have little impact. However, if there is no listing certificate, the lending institution cannot conduct listing transactions on the property. Once the borrower is unable to repay the debt, he will bear the loss.

3. In the second case, the purchased public houses cannot be mortgaged, and the lending institution will not agree to use the purchased public houses that cannot provide the purchase contract as collateral. Because many times the borrower is unwilling to provide the purchase contract, because the purchase contract clearly points out that the original unit has the preemptive right. This makes banks have no initiative.

Second, Tianjin public housing mortgage loan policy?

1. You can also apply for provident fund loans to buy public houses. Employees who purchase public housing can apply for housing provident fund personal housing loans, but they cannot withdraw the balance of housing provident fund storage to pay the down payment.

2. Anyone who pays normally (accumulated for two years, and borrowed for six consecutive months) can apply for personal housing loan from the housing provident fund with his ID card, household registration book, public housing purchase contract, down payment certificate, marriage relationship or unmarried certificate, and written commitment of someone agreeing to housing mortgage. In the business department of CCB district (county) branch where the house is located or the personal housing loan acceptance point of ICBC.

3. The application form, loan contract and house mortgage contract should be filled in when applying. Notarize the house mortgage contract within the specified time (the notarization fee shall be borne by the bank). The borrower goes to the real estate transaction center for mortgage registration and pays the registration fee of 100 yuan. After the loan bank receives the receipt of the housing mortgage, the borrower needs to apply for housing insurance (0.5% of the house price? Pay the annual interest rate), and then the lending bank will lend money within five days.

4. Handwritten information must be filled in with a black signature pen or pen. It is also very important that the lender must have a good credit record in the bank, otherwise your perfect procedures will be useless.

The above details whether Tianjin public houses can be mortgaged and what mortgage policies Tianjin public houses have. When we apply for a mortgage loan, we need to prepare the relevant loan materials and then handle it according to the time required by the bank. I hope it will be helpful for everyone to understand the mortgage loan of public houses.