Office buildings can be mortgaged.
Real estate mortgage loan is a kind of loan in which the borrower mortgages his or a third party's property (including houses, offices, shops, factories, etc.). ).) Used for personal comprehensive consumption, and repaid in the form of mortgage.
Basic requirements for office mortgage loans:
1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;
2. The appraised real estate with present value less than 654.38+10,000 yuan is not mortgaged;
3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration has been handled according to law, and there is no situation that is not conducive to the realization of property rights;
4. Strong liquidity, good real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management. There are no problems and problems, which are not within the scope of government planning;
5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 40 years in principle; If the mortgaged property is a commercial house, the age of the house is generally not more than 20 years, and the age of the house during the loan/credit period is not more than 30 years in principle;
6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.
The above six points are just some basic requirements. Whether the specific office building meets the conditions of bank mortgage loan should be confirmed with the handling bank when applying for a loan.
Office mortgage loan process:
1. The borrower opens a current deposit account in the bank;
2. Information needed to prepare the loan;
3. Sign in person at the bank;
4. Bank reporting and approval;
5. After the approval of the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8, according to the situation for insurance, notarization and other procedures;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower shall repay the loan principal and interest according to the loan contract.
1 1. Loan processing.
Can I borrow money from the office building?
Among many people who want to apply for real estate mortgage loans, some use commercial housing as collateral, and some use personal housing as collateral. This is the most common situation, so if you own an office building, can you apply for a mortgage loan?
Office buildings can be mortgaged. In addition to individual housing and office buildings, there are many types of real estate that can be used as collateral to apply for loans, such as commercial housing, shops, industrial plants and so on. However, schools, hospitals, public housing, cultural relics protection buildings, etc. Can't be used as collateral. In addition, some houses that have been included in the plan and affordable housing under five years cannot be used as collateral to apply for loans.
The difference between office mortgage and residential mortgage
1, loan term is different: compared with residential mortgage loans, the term of applying for office mortgage loans is much shorter, basically 5 years to 10 years. If it is a residential mortgage loan, it is generally 10 to 15 years. In some lending institutions, the loan period can be longer, up to 30 years.
2. Different loan amount: If the office building is used for mortgage loan, the loan amount is relatively small, usually only 0.5 to 0.6 times of the assessed value, but compared with ordinary houses, it can generally reach 0.7 times of the assessed price, and the gap of 0. 1 times is tens of thousands or even hundreds of thousands.
3. Different loan interest rates: Under normal circumstances, the interest rate of office mortgage is higher than that of ordinary residential mortgage. The specific interest rate depends on the regulations of regions and lending institutions, but the mortgage interest rate of office buildings in the same region is always higher than that of residential buildings.
Housing mortgage loan handling process
1. Choose a lending institution: Generally speaking, you can choose to apply for a mortgage loan in a bank. The bank's loan interest rate is relatively low, safe and reliable, but the bank's approval speed and loan requirements are relatively strict. Although the interest rate of private lending is high, the audit requirements are low and the processing speed is fast. Therefore, choosing the right lending institution is a crucial step in the whole loan process.
2. Write application materials: After selecting a suitable lending institution, the application materials must be submitted according to the requirements of the lending institution, and valid identity documents, household registration books and marriage certificates of the borrower and his spouse are required; Personal income certificate; Certificate or statement of loan use; Proof of ownership of mortgaged property; Other documents or materials required by the lending institution.
3. Preliminary examination: The lending institution conducts preliminary examination on the mortgage loan information of the purchaser. At this stage, there is no question about the buyer. As long as the materials submitted by buyers are true and reliable and meet the requirements of lending institutions, they will basically be approved.
4. Evaluation: Lending institutions will evaluate the houses of buyers. Generally speaking, there are designated assessment agencies, and a certain assessment fee will be charged during the assessment, which is generally around three thousandths to five thousandths. The fees will be paid in a progressive way, and the fees charged by different assessment agencies will be slightly different, and the charging standards in different regions will be different.
5. Loan approval and signing: After the house passes the evaluation, the lending institution will re-examine it according to the information provided by the buyers and the evaluation report. After approval, the lending institution will communicate with you about the loan amount, interest rate, term and repayment method, and then you can sign the loan contract.
6. Handling mortgage registration: When handling mortgage registration, buyers need to go to the Housing Authority where the house is located. When handling, buyers also need to prepare relevant materials: the applicant's identity certificate, proof of marital status, application for housing registration, house ownership certificate or property right certificate, state-owned land use certificate, mortgage contract and principal creditor's rights contract, and other necessary materials;
7. Lending: Finally, just wait for lending.
Buying a house by group purchase is more favorable.
on sale
Reference price: the price is to be determined.
Property address: 1. Shuttle to 1 free.
Property Tel: 400-8 19-6590 to 0627.
Can the company property be mortgaged?
Of course, the office building under the company name can be mortgaged, as long as there is a corresponding property right certificate, of course, it can be mortgaged. Enterprise real estate mortgage loan means that enterprises provide real estate with clear ownership as mortgage guarantee, and banks and other financial institutions will issue loans according to a certain proportion of the mortgaged real estate appraisal value on the premise of confirming their normal operating conditions and meeting the loan purposes.
How much can an office mortgage loan cost?
How much mortgage loan you can get depends on the house: about 70% of the appraised value of residential loans, about 80% of the appraised value if there is a company under the owner's name, and about 5-60% of the appraised value if it is used for office, commercial and residential purposes. And the longest loan period of new house loans is not more than 30 years, and the second-hand house loans are not more than 20 years.
This concludes the introduction of how much office mortgage and office mortgage can generally borrow. I wonder if you found the information you need from it?