Property certificate can not handle bank loans.
Other information such as bank real estate license:
First, the housing mortgage loan application conditions:
1, housing quality housing, affordable housing, affordable housing (clear rights and property rights within 20 years;
2. The mortgagor (5 years old) is in good health;
3. The Mortgagor has not participated in the credit investigation in recent 24 months.
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). );
5, the actual use of funds is clear;
Second, prepare information:
1 Original and photocopy of certificate and household registration book (if single, single certificate is required);
2. Proof and copy of the borrower's marital status;
3 copies and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate);
4. Personal major banks are stamped with bank seals);
5, work unit income certificate;
6. Proof materials such as family private loans;
7. Evaluation report;
Three. Process: submission → bank approval →→ bank loan →
Second, can the real estate license be directly loaned?
Property certificate can not handle bank loans.
Bank mortgage loans need real estate license and other information:
First, the housing mortgage loan application conditions:
1, nature of the house; Houses, office buildings, villas, commercial houses, houses, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years;
2. The mortgagor (normal age 18-65 years old) is in good health;
3. The Mortgagor has not participated in the credit investigation in recent 24 months.
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). );
5, the actual use of funds is clear;
Second, prepare information:
1, original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required);
2. Proof and copy of the borrower's marital status;
3. Family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate);
4. Statement of personal main bank account in recent 6 to 12 months (with bank seal);
5, work unit income certificate;
6. Proof materials such as family private loans;
7. Evaluation report;
Three. Process: submit materials → sign bank documents → house evaluation → bank approval → bank loan → mortgage registration → monthly repayment.
Third, whether the certificate of immovable property rights can be loaned.
Legal analysis: real estate license can handle bank mortgage loans. The conditions for applying for mortgage loan with real estate license are as follows:
1. Borrower 18 to 60 years old, with legal status.
2. The borrower has a stable job and good income, can repay the loan principal and interest, and has no bad credit record in the near future.
3. The borrower has a legal and valid property certificate.
4. When the borrower takes the property right certificate of the new house as collateral, it is generally necessary to have a legal and effective purchase contract.
5. It can provide effective guarantee recognized by the loan bank.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 115 Things include immovable property and movable property. Where the law stipulates that the right is the object of real right, such provisions shall prevail.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.
4. Can a certificate of immovable property be loaned?
Is the title certificate of immovable property a house ownership certificate? If yes, you can apply for a mortgage loan (whether it is mortgaged or not).