No, actually whether it's a mortgage or not. As long as it is a loan, there are geographical restrictions. Banks or lending institutions generally do not accept such cases of mortgage loans from different places. Because off-site mortgage loans are not only risky, but also increase the cost of applying for loans. At present, banks or lending institutions only handle real estate mortgage loans in service areas.
The property applying for mortgage loan must meet the following basic conditions:
1. The property is located in the service area of the lending institution;
2. Have a real estate license and can be listed and traded;
3. The house age should not exceed 20 years (some lending institutions require it not to exceed 15 years);
4, clear property rights, no debt.
Therefore, it is impossible to apply for a mortgage loan for a real estate in a different place.
Second, can I apply for a mortgage loan for a real estate in a different place?
The property applying for mortgage loan must meet the following basic conditions:
1. The property is located in the service area of the lending institution;
2. Have a real estate license and can be listed and traded;
3. The house age should not exceed 20 years (some lending institutions require it not to exceed 15 years);
4, clear property rights, no debt.
Due to the application for real estate mortgage loan.
3. Can I apply for a mortgage loan for a property in a different place?
No, in fact, both mortgage loans and loans have geographical restrictions. Under normal circumstances, banks or lending institutions will not accept mortgage loans for real estate in different places. Because off-site mortgage loans are not only risky, but also increase the cost of applying for loans. At present, banks or lending institutions only handle real estate mortgage loans in service areas. Legal basis: Article 48 of People's Republic of China (PRC) Urban Real Estate Management Law According to the relevant laws and regulations of our country, the registration of house mortgage needs to be handled by the real estate management department where the real estate is located, so in principle, it is impossible to handle the mortgage of the house in different places. Relevant laws and regulations "Regulations on the Administration of Urban Real Estate Mortgage" Article 30 Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go through the real estate mortgage registration at the real estate management department where the real estate is located. Thirty-first real estate mortgage contract shall take effect from the date of mortgage registration. Article 32 To register a real estate mortgage, the following documents shall be submitted to the registration authority: (1) the identity certificate or legal person qualification certificate of the mortgage party; (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. Houses without real estate licenses are not eligible for mortgage, so they cannot be used for housing mortgage loans. If you need funds, you can also choose other ways to solve the funding problem. The conditions that the real estate in the real estate mortgage loan needs to meet: there must be a real estate license and a land certificate; No property rights; Have liquidity; Can be listed and traded and so on. How to get a loan if I buy an auction house? Developers should apply to the relevant departments for registration. With the agreement at the time of filing, the bank will give a loan contract and then go to the relevant departments for mortgage. If it is an existing house, you can apply for a real estate license directly, and then apply for a mortgage loan with a big card and a house purchase contract. You can't apply for mortgage registration without real estate license. So you can't directly ask the bank for a mortgage loan. However, the guarantee company accepts unlicensed real estate mortgage. This kind of mortgage is actually pledge. On the basis of signing a contract with the guarantee company, the original purchase contract and payment invoice are pledged to the guarantee company. Then, the guarantee company guarantees the loan to the bank for you. Accordingly, the guarantee company will charge a guarantee fee of 1.5-3%. Finding a guarantee company to guarantee a loan is the lowest cost.
4. Can foreign houses be mortgaged?
Yes, you can handle it with the assets certificate and other materials needed for mortgage. Mortgage requires the following information:
1. Identity cards and household registration books of both husband and wife;
2. Remarks on marriage certificate: If you are not married, please provide proof of unmarried;
3. Proof of assets (including real estate license, driving license, etc.). );
4. Bank flow (6 months required);
5. proof of income;
6. Work certificate;
7. The purpose of the loan;
8. Personal credit information;
9. Single-family houses need land certificates;