Beijing housing mortgage loan needs the following materials:

1, ID cards of both husband and wife;

2. The household registration book of both husband and wife;

3. Proof of marital status (marriage certificate, divorce certificate, divorce agreement, judgment, unmarried certificate, single certificate);

4. Certificate of academic qualifications;

5. Bank flow in the past six months;

6. Real estate license and land certificate (purchase contract, deed tax invoice, waiver of purchase right by the original unit);

7. Use contracts (handicrafts, furniture, decoration, etc.). );

8. Certificate of second place of residence or property of immediate family members (a * * * commitment letter of the same place of residence must be signed in the name of myself and my spouse);

9. Other financial certificates (cars, houses, stocks, funds, etc.). ).

Beijing Housing Mortgage Loan Requirements

In Beijing, we need to face all kinds of situations. Some people will choose to mortgage their houses to banks to get loans and solve their own financial problems. Do you know some requirements of housing mortgage loan in Beijing?

First of all, we must understand the requirements of housing mortgage in Beijing:

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

(2) The sum of the house age (calculated from the date of house completion) and the loan period cannot exceed 40 years;

(3) Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

We should know the qualifications of Beijing applicants:

The first is to have a local fixed residence in Beijing, a certificate of permanent residence in Beijing, and full capacity for civil conduct; Secondly, we must have a legitimate occupation and a stable source of income, have the ability to repay loans, and finally have no bad illegal records, and be able to provide local real estate licenses or third-party guarantees with repayment ability.

Next, we need to know the purpose of Beijing housing mortgage loan:

(1) Used for house purchase: mortgage loan refers to a loan that an individual pays a certain down payment when purchasing a house with a house title certificate, a house that can be traded in the market or a commercial house, and the rest is applied to the cooperative organization with the purchased house as collateral. Generally, the annualized interest rate of such loans is expected to rise above 10%; At the same time, the review of mortgage loans is also relatively strict. For example, buyers must meet the strict requirements of the first suite, hukou, good credit record and stable income. Generally, the bank approval time is 1-3 months.

(2) Used for business operation: for financing products mainly serving small and medium-sized enterprises or individual industrial and commercial households, borrowers can obtain loans through mortgage and other guarantee methods. The bank operating loan interest rate is higher than the mortgage loan interest rate and higher than the expected annualized interest rate of the loan benchmark 10%~30%. Bank requirements: the borrower's credit record must be good; Open a general deposit account in a loan bank; The company operates well and has real estate or other effective mortgage guarantee. It usually takes 1 to 2 months to reply.

Beijing commercial housing mortgage interest rate?

The mortgage interest rate of commercial housing in Beijing is: the loan interest rate is 5.60% within one year (including 1 year), 6.00% for one to five years (including five years) and 6. 15% for more than five years. If individuals apply for provident fund loans, the interest rate of provident fund loans is: 4.25% for housing provident fund loans for more than five years and 3.75% for housing provident fund loans for less than five years. Commercial and residential dual-use houses can be used as bank mortgage loans, but not all commercial housing banks will accept them according to specific circumstances. In fact, the process and conditions of commercial housing mortgage loan are basically the same as those of housing mortgage loan. The process is as follows: go to the bank to apply for a housing mortgage loan, prepare the materials needed for the loan, personally sign with the bank, and report to the bank for approval. After the bank has passed the approval, it will inform the borrower of the approval result, sign a loan contract with the borrower, register the mortgage, issue certificates of other rights, and the bank will issue the loan to the account designated by the borrower.