Can developers who have obtained pre-sale permits mortgage?
Developers who have obtained pre-sale permits can apply for mortgage loans. Developers usually mortgage their land use rights, projects under construction and completed real estate projects to financial institutions to obtain loans, but the following points should be noted:
1, real estate development needs a lot of financial support, and developers themselves cannot complete the whole development project. Generally speaking, developers will try their best to get the support and trust of financial institutions to obtain loans, so as to successfully complete the development of real estate projects.
In order to raise funds, the developer mortgaged the project under construction to the bank. Although the mortgaged house has been sold during the mortgage period, if the mortgage formalities are not lifted for a long time and the repayment is not made to the financial institution on schedule as agreed in the loan contract, when the financial institution claims or exercises the mortgage right, it may infringe upon the rights and interests of the purchaser.
3. After the developer pre-sells the property to the purchaser, the developer mortgages the house sold to the financial institution before the purchaser receives the property certificate. Due to this mortgage behavior of developers, buyers can't handle the property transfer formalities in time, and the rights of the purchased property are also threatened.
4. If the mortgaged project has been mortgaged before the sale, there is no legal problem; However, if the mortgaged property cannot be released after sale, or the developer mortgages the newly sold property without authorization, legal problems will arise.
How to apply for mortgage after obtaining the pre-sale permit?
Real estate mortgage mainly includes land use right mortgage, housing right mortgage, pre-purchased commercial housing loan mortgage, construction in progress mortgage and other types. The procedures are as follows:
1. Prepare the required materials first, including: ID card of mortgage lender, mortgage contract, loan contract, pre-sale commercial housing registration certificate, house purchase contract and other related materials.
Secondly, go to the bank to apply for a mortgage loan. To apply for a mortgage loan, the developer or agent needs to walk with the mortgage object. After submitting relevant information, the bank will review the lender's loan qualification and the loan amount that can be issued. After the audit is successful, the lender can receive the loan.
3. In the process of handling the loan, you need to pay the fee. Fees include: the registration fee for real estate mortgage, usually based on 60 yuan, and the charging standard is determined according to the type of house; The handling fee for real estate mortgage is 0.08% of the loan amount.