1. Real estate mortgage certificate
Legal analysis: 1. Prepare all the information required by the bank. Including the couple’s ID cards, household registers, real estate certificates, marriage certificates, house purchase contracts or invoices.
2. The bank will conduct corresponding review after the lender submits the information. If the information is incorrect or incomplete, the bank will require the lender to resubmit it.
3. After passing the review, the lender will hand over the property ownership certificate of the mortgaged property to the bank for collection.
4. The borrower and the borrower sign a housing mortgage loan contract and have it notarized.
5. After notarization, the loan will be successful and the bank will start transferring funds to the lender. The borrower needs to make monthly repayments to the bank until it is repaid.
Legal basis: "People's Republic of China and Civil Code"
Article 394: To guarantee the performance of a debt, the debtor or a third party shall not transfer possession of the property , if the property is mortgaged to a creditor and the debtor fails to pay due debts or a situation occurs that realizes the mortgage rights as agreed by the parties, the creditor has the right to receive priority payment for the property.
The debtor or third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property providing guarantee is the mortgaged property.
Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged:
(1) Buildings and other land attachments;
(2) Right to use construction land;
(3) Right to use sea area;
(4) Production equipment, raw materials, semi-finished products, and products;
(5) Buildings, ships, and aircraft under construction;
(6) Transportation tools;
(7) Other properties not prohibited from mortgage by laws and administrative regulations.
The mortgagor may mortgage the properties listed in the preceding paragraph together.
2. What is the real estate mortgage certificate?
Legal analysis: The real estate mortgage certificate is a certificate issued when the real estate is mortgaged, proving that the house has been mortgaged. You need to prepare relevant information and go to the bank. After approval, the lender will hand over the property certificate of the mortgaged property to the bank for collection.
Legal basis: Article 400 of the People's Republic of China
To establish a mortgage right, the parties shall enter into a mortgage contract. A mortgage contract generally includes the following clauses: (1) The type and amount of the secured creditor's rights; (2) The time limit for the debtor to perform its debt; (3) The scope of the mortgage guarantee.
Article 402: Mortgage registration of property specified in items 1 to 3 of paragraph 1 of Article 395 of this Law or a building under construction specified in item 5. The mortgage right is established upon registration.
3. How to obtain a property mortgage certificate for children to enter school?
You can go to a bank to get a property mortgage certificate if your child is going to school.
4. I would like to ask how to write a mortgage certificate
The question you want to ask is whether to use the other party’s house as a counter-guarantee? To use real estate as mortgage, you need to sign a mortgage contract and register it with the real estate management department. The terms of the mortgage contract vary depending on the specific situation. It is recommended to consult a local lawyer in person.