How to handle the mortgage of real estate license
Mortgage of real estate license is not difficult. The specific process is that the borrower prepares relevant materials, then has a bank statement, and then can apply for a loan from the bank, and the bank will review the loan. Moreover, after the bank is approved, the bank can obtain the real estate license, and then it can lend money.
1. Borrower prepares relevant materials: Before the loan, the borrower needs to provide many materials to the bank, including ID card, household registration book, marriage certificate, real estate license and house purchase contract.
2. The bank runs the road: According to the value of the house, the bank's mortgage amount is different. In addition to mortgage real estate license, banks also need borrowers to have good credit and economic strength in order to better avoid risks, so most banks will require borrowers to provide bank running statements of their personal accounts for nearly half a year.
3. Apply for a loan from the bank: the amount of housing loan is generally more than 5,000 yuan, and the value of the property is less than 70%. The expected annualized interest rate of the loan will rise by a certain percentage according to the benchmark expected annualized interest rate of the central bank. The loan term is generally 5 to 30 years, and the repayment methods generally include equal principal and interest, equal capital and so on. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation.
4. Bank review of mortgage: After applying for mortgage, the bank began to review the qualifications of borrowers.
5. After the bank has passed the examination of the borrower's mortgage and agreed to issue the loan, the borrower needs to go to the local delivery room management department at or above the county level and go through the mortgage registration formalities with the bank clerk.
6. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. But because it is a housing loan, generally speaking, the bank loan will directly hit the account of the real estate developer and will not be paid directly to the borrower.
What are the application conditions for real estate license mortgage loan?
1, a natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
3. Have a good credit record and willingness to repay;
4, with a stable source of income and the ability to repay the principal and interest in full and on time;
5, can provide legal, effective and reliable housing mortgage loans recognized by the bank;
6. Open a personal settlement account in a bank;
7. Other conditions stipulated by the bank.
What are the precautions for housing mortgage loan?
1. If the real estate mortgage term is new house mortgage, the long-term loan term cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure.
2. Real estate mortgage loan amount The real estate mortgage loan amount depends on the value evaluation of the real estate license, which is lower than the market price of the real estate license. Generally speaking, the evaluation value of real estate license will be affected by some factors, such as the use time, market value, location, property type, liquidity and so on. The mortgage loan ratio of real estate license shall not exceed 70% of the appraised value of real estate license.
3. The conditions required for real estate loans are natural persons who have reached the age of 65,438+08-60, have full capacity for civil conduct, have a long-term and stable source of income, and are sufficient to pay the monthly loan principal and interest; The property right of the real estate license should be clear, without any other mortgage; The age of the house plus the loan period shall not exceed 40 years; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.
What materials should be prepared for real estate mortgage registration?
There are many materials needed for real estate mortgage registration. According to the provisions of China's civil code, real estate mortgage must be registered with the housing and land management department where the real estate is located within 30 days after the signing of the mortgage contract. Mortgage registration procedure is an indispensable legal procedure and an indispensable legal document in real estate mortgage activities. When handling the registration of real estate mortgage, both parties to the mortgage shall carry the following relevant legal documents:
1, copy of business license;
2. The identity certificate or legal representative certificate of the mortgagor;
3. If it is handled by an agent, there shall be a power of attorney from the legal representative or the party concerned;
4. Loan contract (master contract);
5. Mortgage contract;
6. Proof of property right of collateral (including state-owned land use right certificate and house ownership certificate);
7. If the collateral belongs to a joint venture or joint-stock company, there shall be a resolution of the board of directors agreeing to mortgage;
8. If the mortgage is repeated, a written document of the original mortgagee's consent to mortgage again shall be provided;
9. If * * * has real estate mortgage, all written documents agreed by * * * shall be provided;
10. The mortgagor shall have written documents to prove that the collateral provided by him is free from legal defects;
1 1. Other legal documents related to mortgage.
legal ground
Measures for the administration of urban real estate mortgage
Thirtieth real estate mortgage contract within 30 days from the date of signing, the mortgage parties shall go to the real estate management department where the real estate is located for real estate mortgage registration.
Thirty-first real estate mortgage contract shall take effect from the date of mortgage registration.
Article 32 To apply for real estate mortgage registration, the following documents shall be submitted to the registration authority:
(1) The identity certificate or legal person qualification certificate of the mortgagor;
(2) An application for mortgage registration;
(3) mortgage contract;
(4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted;
(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;
(6) Information that can prove the value of the mortgaged real estate;
(7) Other documents deemed necessary by the registration authority.
Article 33 The registration authority shall examine the application of the applicant. If the ownership is clear and the certification materials are complete, it shall decide whether to register within 7 days from the date of accepting the registration. If it is not registered, it shall notify the applicant in writing.
Article 34 If the real estate obtained according to law is mortgaged, the registration institution shall record his other rights in the original Certificate of Real Estate Ownership, and the mortgagor shall take over. And issue the house ownership certificate to the mortgagee.
If the pre-sale of commercial housing or the construction in progress is mortgaged, the registration authority shall record it in the mortgage contract. If the mortgaged real estate is completed during the mortgage period, after the mortgagor obtains the certificate of real estate ownership, the parties concerned shall re-register the real estate mortgage.