1. application for registration (original);
2, the applicant's identity certificate (verify the original copy);
3. Real estate license (original and photocopy);
4. Real estate license (original);
5. A written agreement between the mortgagor and the mortgagee to change the mortgage right (original);
Note: Item (5) does not need to be filled in when applying for change registration due to the change of the mortgagor's name or the change of the street and house number where the mortgaged house is located. Where an application for mortgage change registration is made due to the change of the amount of secured creditor's rights, the written consent documents (originals) of other mortgagees shall also be submitted.
Second, can temporary id card get a loan?
Temporary id card can apply for a loan, but it must be within the validity period of temporary id card. Although theoretically temporary id card can apply for loans, most banks can't use temporary id card to apply for loans. Temporary id card cannot be used to apply for a loan. The main reason is that temporary id card does not have a magnetic stripe, so it is impossible to read temporary id card's personal information.
3. What are the precautions for commercial loans?
1. Submit a loan application: After you sign the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.
Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.
2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month.
During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.
3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.
4. Both parties shall go through relevant formalities: the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.
5. Bank loan: After all loan procedures are completed, the bank transfers the loan funds to the account of the real estate developer, and the loan relationship is established, and the lender repays the loan according to the regulations.
legal ground
People's Republic of China (PRC) Civil Code
Article 401 The mortgagee and the mortgagor agreed that when the debtor fails to perform due debts, if the mortgaged property belongs to the creditor, it can only be paid in priority according to law.
Article 402 Where the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 is mortgaged, the mortgage registration shall be handled. The mortgage is established at the time of registration.
Article 403 Where a chattel is mortgaged, the mortgage right shall be established when the mortgage contract comes into effect; Without registration, you may not be able to fight well-intentioned third parties.