The model contract of personal housing mortgage loan is as follows: Party A (the lender) and Party B (the borrower) are in urgent need of funds, and now they borrow money from Party A. Through negotiation, both parties sign this contract, which both parties shall abide by. Article 1: Party A lends Party B RMB () only, which shall be paid within 2 days after the signing of the loan agreement. Article 2. The term of the loan is from the date of the month to the date of the month, and the interest is subject to Article 3. In order to guarantee the due repayment, Party B takes its own property as the mortgage guarantee, which is located at with the house ownership certificate number of and the land ownership certificate number of. Article 4. If Party B fails to repay the loan and principal and interest as agreed in this Contract within 5 days after the loan expires, it shall also bear the penalty of 10% of the loan amount in addition to repaying the loan principal and interest. If the loan cannot be repaid within 15 days, Party B agrees that Party A has the right to dispose of the mortgaged property, which is denominated in RMB, and directly compensates Party A to make up the difference after the loan amount is settled. Both parties will not evaluate the pricing, and Party B will assist in the transfer procedures. Article 5. If there is mortgaged property, Party A's rights shall be implemented in accordance with Article 4 within the scope of compensation or house replacement. Article 6. During the mortgage period of the real estate loan, Party B shall not sell, donate, transfer, mortgage or otherwise dispose of the real estate. In violation of the above provisions, Party B shall not only repay the principal and interest of the loan, but also bear the penalty of 20% of the loan amount. Article 7 This contract is made in duplicate, with each party holding one copy. Article 8 This contract shall come into effect from the date of signature by both parties until Party B pays off the loan. Lender: Borrower:
How to write the mortgage contract of real estate?
Mortgagee, address, postal code, telephone number and legal representative of real estate mortgage loan contract and real estate sales contract.
The mortgagee and mortgagor will sign a mortgage loan contract with the guarantor on.
The Mortgagor (i.e. the Borrower) agrees to mortgage all the rights and interests of the Real Estate Purchase and Sales Contract signed with the Guarantor on _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
After the house selling unit issues the occupancy notice, it shall immediately go through the mortgage formalities, mortgage the property to the mortgagee, give the mortgagee the first priority mortgage, and be willing to perform all the terms of this contract.
The Mortgagee agrees to accept the above-mentioned real estate sales contract and all the rights and interests of the real estate under the real estate sales contract as the loan under this contract.
Collateral, and accept the guarantor's guarantee responsibility for the loan under this contract. The mortgagee provides the mortgagor with a term mortgage loan as part of the mortgage payment for the mortgagor to purchase the mortgaged property. This contract is made through negotiation among the three parties for compliance.
Party A guarantees to voluntarily repay the loan principal and interest on schedule within the loan period agreed in each contract. The source of funds for Party A to repay the loan is the company's production and operation and other income. If Party A requests to repay the loan from other channels, Party B must agree.
What is the difference between individual mortgage loan contract and individual house purchase loan and guarantee contract?
I. Different definitions
Personal mortgage loan means that the borrower mortgages the property in his own name and applies to the loan bank for RMB loans for personal legal and compliance purposes, including personal house purchase, car purchase, consumption, business and other legal and legal loan purposes.
Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing. The borrower must provide a guarantee when applying for a personal housing loan.
Second, the application materials are different.
Individual housing mortgage loan contract:
property ownership certificate
Identity cards of the obligee and his spouse.
Household register of obligee and spouse
Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
profit and loss statement
If the owner of the real estate license has minor children, please provide birth certificate.
If the property still has a bank loan, please provide the original loan contract and the last bank statement.
In order to improve the loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). )
Individual housing loan and guarantee contract:
Identity cards of the borrower's husband and wife (original and photocopy)
Household register (one original)
Marriage certificate (original and copy)
If you are unmarried, you need to fill in the declaration of unmarried, and our bank will keep the original.
Divorced or widowed persons are required to provide divorce certificates or agreements, judgments and spouse death certificates (one original and one copy each).
Copy of the property right certificate of the complete house actually owned by the family members (including the borrower, spouse and minor children) to be purchased.
Third, the operation process is different.
Individual housing mortgage loan contract:
1. Apply for a loan
2. Check customer information
3. Lender pairing
4. Apply for notarization mortgage
Lend money on the same day as he proves.
Individual housing loan and guarantee contract:
1. loan consultation: learn about the object, loan conditions, loan amount, term, interest rate, repayment method and loan procedures of individual housing loans through outlets, telephones or websites;
2. Loan application: submit the materials required by the bank to apply for personal housing loan;
3. Sign a contract: After the customer's application is approved, sign a housing loan contract with the bank;
4. Loan issuance: when the conditions are met, the bank will issue loans according to the contract;
5. Customer repayment: the customer repays on time according to the contract;
6. Post-loan service: customers enjoy new products and value-added services provided by banks.