Under what circumstances can't you mortgage a real estate loan?
1. There are two situations in which some purchased public houses cannot apply for mortgage consumer loans. One is the purchased public houses that can't provide the purchase contract or purchase agreement, because if there is a clause in the purchase contract that the original unit has the preemptive right, the bank can't obtain other rights, so the bank can't operate the mortgage consumption loan of the property; The other is the delivery that can't provide the listing certificate of the delivery in the purchased public housing, because this kind of real estate can't be listed and traded, so it can't run business.
2, less than five years of affordable housing relocation is one of the government's affordable housing, generally according to the management of affordable housing, or its housing nature belongs to affordable housing. According to the national policy, affordable housing with less than five years is not allowed to be listed and traded, nor can it apply for mortgage consumer loans.
3. Small property houses without real estate licenses For small property houses, if residents do not obtain real estate licenses, they only have the right to use the property without ownership, and they have not obtained the ownership certificate of the property. Therefore, this kind of real estate can not be listed and traded, can not be mortgaged to the Construction Committee, and can not apply for mortgage consumer loans.
Conditions for real estate license to apply for a loan
1. The owner of the collateral can be the borrower himself or someone else. In other words, even if the real estate license is not your own, you can apply for a mortgage loan with someone else's house as long as you have proof of others' consent and mortgage.
2. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old.
3. Have a fixed residence and residence.
4. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule.
5. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.
6. The age of the house (calculated from the date of completion of the house)+the loan period shall not exceed 40 years.
7. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage.
8. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments. Now it is a certificate of immovable property rights.