The only house can be mortgaged, but the house needs to obtain a property certificate. When users apply for a mortgage loan, the bank will evaluate the property. Users can apply for loans within the amount given by the bank. If the assessment amount is relatively low, other collateral, such as cars, can be submitted at this time. Then we can meet the demand for loan amount.

When handling mortgage loan, the person should be at least 18 years old and have full capacity for civil conduct. At the same time, personal work certificate, bank account and loan application should be submitted. It should be noted that personal credit information must be good when handling loans, otherwise the bank will directly refuse.

Users can consult different banks when handling mortgage loans, and then choose the bank with low loan interest rate, so that the interest paid after the loan is less, which is conducive to subsequent repayment and will not lead to overdue repayment. It should be noted that it takes a long time to apply for mortgage loans through banks.

You can choose the repayment method of average capital or equal principal and interest when handling loans. On the premise of the same loan conditions, the total interest of the average capital is less than the equivalent principal and interest expenditure, but the average capital needs the repayment person to have higher income. It is worth mentioning that the repayment of equal principal decreases every month.

Second, can only mortgage a house?

If the house is used as a mortgage for loans, then when the debtor fails to pay off the debts due, the bank can exercise the mortgage on the house according to law and may request the auction of the house. 2. Legal basis: Article 195 of the Property Law, if the debtor fails to perform the due debt or the right of occurrence, the mortgagee may agree with the mortgagor to discount the mortgaged property or give priority to compensation with the price of auction or sale of the mortgaged property, and other creditors may request the people to terminate the agreement within one year after they know or should know.

3. Is there only one house under the name of an individual that can be mortgaged?

In principle, it is possible, but the house is required to be a commercial house or a reformed house, and the loan can only be 60% of the assessed value of the house, that is, 654.38+00,000 can be loaned to 600,000.

For China Merchants Bank, to accept commercial houses and commercial houses with clear property rights and strong liquidity as collateral, the following conditions must be met:

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. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;

4, with strong liquidity, the real estate structure is intact, water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services are complete, 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 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 30 years in principle;

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.

Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.

4. Only one house can be mortgaged?

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