Can I get a loan with a copy of the real estate certificate?
Nowadays, many people will choose a real estate mortgage loan when they encounter the situation. However, a real estate mortgage loan must meet certain conditions and must also pay Valid documents need to be provided, so some friends want to ask, can a copy of the real estate certificate be used for a loan? What are the conditions for a real estate mortgage loan? Let’s take a look with the editor!
1. Real estate Can I get a loan with a copy of the real estate certificate?
You cannot apply for a loan if you only provide a copy of the real estate certificate. You must use the original real estate certificate. In addition to the original real estate certificate, you also need to provide personal identification materials and a copy of the land use right certificate. documents, main creditor's rights contract, registration application form and other materials. The materials provided must be true and valid.
2. What are the conditions for a real estate mortgage loan?
1. When applying for a real estate mortgage loan, the applicant must have full civil capacity, have a stable job and income, and prove that he or she Have the ability to repay the loan on time. At the same time, the property rights of the house must be clear, no other mortgages are made, and it must comply with the housing listing and transaction conditions stipulated by the state.
2. If there are other owners of the house, the consent of all the owners of the house must be obtained, and all the owners of the house are willing to bear relevant legal responsibilities. In addition, the age of the house must be consistent with the loan term. No more than forty years may be added, and the time shall be calculated from the day the house is completed.
3. If the applicant uses someone else’s property to apply for a mortgage loan, the applicant must provide written proof that the property owner uses the property as a mortgage, and require the property owner, the person with the right to the property and The applicant signs and seals the materials.
Summary: This is the introduction to the relevant content of whether a copy of the real estate certificate can be used for loans. I believe that you have learned more about the relevant knowledge of home mortgage loans. I hope it can help friends in need. them. All in all, when applying for a house mortgage loan, you must provide the original real estate certificate. This means that a copy of the real estate certificate cannot be used for mortgage loans. Therefore, everyone must properly manage the original real estate certificate in daily life.
Can I get a loan with a copy of the real estate certificate?
Can I get a loan with a copy of the real estate certificate? Information that must be provided for a real estate certificate loan: 1. Establishment Registration Application Form; 2. Original "House Ownership Certificate"; 3. Real Estate Mortgage Contract; 4. Master Creditor's Rights Contract (generally referred to as a loan contract); 5. "State-owned Land Use Certificate" Copy (to verify the original); 6. Identity certificates of both parties to the mortgage. Article 196 of the Contract Law defines a loan contract as a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Article 197 Contract Form and Main Terms A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons. The content of the loan contract includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Can a copy of the real estate certificate be used as a mortgage loan?
It is not allowed to use only a copy when applying for a loan. The original must be reviewed.
1. Application conditions for house mortgage:
1. Nature of the house; residence, office building, villa, commercial house, house, affordable housing (strict requirements for affordable housing) and property rights Within 20 years.
2. The mortgagor (normal age is 18-65 years old) and in good health.
3. The mortgagor can prove the source of repayment and other assets (large time deposit certificates, second properties, stocks, funds, etc.).
4. The actual purpose of the funds is clear.
2. Preparation of materials:
1. Original and photocopy of ID card, household register and household register of the borrower and spouse (if single, single certificate is required).
2. Proof and copy of the borrower’s marital status.
3. Family property, car ownership certificates and copies, and other asset certification materials (house ownership certificate, land use certificate, original and copy of deed).
4. Personal main bank account statements for the past 6 to 12 months (stamped with banking business seal).
5. Proof of income from work unit.
6. Family private loan slip and other supporting materials.
7. Evaluation report.
Extended information:
Mortgage form:
Mortgage loans are divided into two types: maximum mortgage and traditional mortgage. The maximum mortgage refers to the mortgagor and The mortgagee agreement uses collateral as a guarantee for continuous claims within a certain period within the maximum amount of claims. It is a new mortgage system that is different from the traditional mortgage system. Compared with the traditional mortgage system, its differences are: < /p>
(1) The creditor's rights guaranteed by the maximum amount of mortgage are uncertain creditor's rights.
(2) The claims guaranteed by the maximum mortgage amount are usually future claims.
(3) The maximum mortgage limit must be reserved for the maximum additional burden.
(4) The maximum mortgage right will not be transferred with the transfer of the main claim. Although the maximum mortgage right is more independent than the traditional mortgage right, the maximum mortgage right is still a collateral, and its establishment method and effect are not essentially different from traditional mortgage rights.