What should I pay attention to in mortgage loan?

1. The property mortgage needs to be the property in the borrower's name. If it is owned by a third party, a statement that someone agrees to the mortgage loan must be issued at the time of mortgage.

2. In the marriage certificate provided, if there is a divorce, a divorce agreement or judgment shall be provided; If you are single after divorce, you need to provide proof that you have not remarried after divorce.

It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, and consumers should pay attention to policy risks.

It is impossible to apply for a mortgage loan for a house that has not paid off the loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again.

5. Small property houses have no mortgage trading right. This is because small property houses have no property rights and may be eliminated under the policy of land use planning, so financial institutions will not mortgage such properties.

The conditions and precautions of mortgage loan are introduced here. Finally, I want to remind you that you can't mortgage your house if you want to. You must meet certain conditions before you can apply for a loan. At the same time, you need to find a reliable company, which is also a guarantee.

What should we pay attention to in housing mortgage loan?

For most of us, buying a house is a major event in life, so there are not many opportunities to get in touch with mortgage procedures. With the rising house prices, we have to use mortgage to buy houses for living or investment, but don't worry, Bian Xiao will give you an explanation about mortgage today. If necessary, please move your fingers and collect them for yourself or your family. Maybe it will be used one day.

1. First of all, pay attention to your mortgage type. The type of mortgaged property also determines whether you can successfully apply for a loan to buy a house to some extent. Therefore, if you want to apply for affordable housing loans, you should pay attention. Many local policies clearly point out that foreigners can't buy affordable housing, so they can't handle loan business.

2. When making a mortgage loan, you might as well pay attention to the interest rate again. When we use commercial housing or affordable housing for housing loans, the first consideration is to use provident fund loans, because the interest rate of provident fund loans is the lowest among all loans, but when signing an agreement, we must see whether the real estate developer and the fund management center have agreed. If so, you can only choose commercial loans.

3. For the second-hand house, if it is used as a mortgage loan, it is necessary to ensure that the house is built within 10 and is the applicant's private property.

4. When signing a house purchase contract, it is also necessary to see whether the mortgage clauses in the contract conform to the relevant national laws and the terms supervised by the state or the industrial and commercial bureau, such as the commercial housing sales contract. Once unreasonable points are found, they should be pointed out and corrected in time.

It has become a common law in the industry that the house with mortgage loan should not be too old and the location should not be too remote. If the mortgaged house is almost uninhabitable or there are great hidden dangers in decoration, it will be impossible to apply for a mortgage loan successfully. And most banks have many restrictions on the amount of loans. You know, houses under 65,438+10,000 are basically difficult to mortgage.

Having said that, I think everyone can sum up a truth. The most important factor of mortgage loan is the liquidity and overall value of the house, so we should conduct a comprehensive investigation and analysis of our house before mortgage loan. If the value is not high, there is no need for mortgage.

What problems should be paid attention to in housing mortgage loan?

As many people know, when we apply for a loan from a bank, the bank generally requires us to provide a guarantee or a house as collateral, otherwise we can't apply for a loan. So, what is a mortgage loan? What problems should I pay attention to when handling mortgage loans? Look at this article, it may be helpful to you. 1. What is a mortgage loan? Housing mortgage loan refers to a loan in which the borrower uses his or a third party's property (including houses, office buildings, shops, factories, etc.) as collateral. ) as a mortgage for personal comprehensive consumption, repayment is made by mortgage. The party who provides the mortgaged house is called the mortgagor, and the original creditor who accepts the mortgaged house is called the mortgagor. The mortgagor of a house must have full capacity for civil conduct, and a person without capacity for civil conduct or with limited capacity for civil conduct may not set up a house mortgage. Collateral must be a house, and the mortgagor of the house can be a debtor or a third person. The mortgagor must have the ownership of the mortgaged house. If the mortgaged house is a state-owned house, the mortgagor must have the right to dispose of the mortgaged house. Second, what problems should be paid attention to in housing mortgage loan (1) Conditions for applying for housing mortgage loan. 1, a natural person who has reached the age of 18 and has full capacity for civil conduct; 2. Have a stable occupation and income, good credit and repayment ability; 3. Other conditions stipulated by the bank. (2) The materials to be submitted when applying for real estate mortgage loan include: identity certificate, household registration book, marriage certificate, income certificate, real estate license and appraisal report of mortgaged real estate, loan purpose certificate and other materials specified by the bank. (3) What is the purpose of the real estate mortgage loan? The purposes of mortgage loans mainly include: buying commercial real estate (including houses, shops, office buildings, etc.). ), car purchase, home improvement, studying abroad, purchasing raw materials needed for production, and working capital needed for operation. (4) The loan proportion, service life and interest rate of real estate mortgage loans are determined according to the different loan purposes selected, but generally not more than 60% of the assessed net value of mortgaged real estate; The fixed number of years is generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans. (5) repayment method of real estate mortgage loan 1. For loans with a term of less than 2 years, interest can be paid monthly, and the principal can be repaid once or twice; 2. For loans with a term of more than 2 years, you can choose the repayment method of equal principal and interest or the repayment method of average capital (decreasing). (6) Fees to be paid for real estate mortgage loan: real estate assessment fee, mortgage registration fee, lawyer's fee (charged by individual banks) and insurance fee (foreigners also need notarization fee). (VII) Procedures for applying for real estate mortgage loan 1, submission of materials, application 2, bank investigation, examination and approval 3, signing of loan contract and other legal documents 4, mortgage registration, purchase of insurance loans and issuance 6, timely repayment by the borrower according to the contract 7, settlement of loans and cancellation of mortgage registration 8. What documents are needed for real estate mortgage registration? How long does it take from delivery to license collection? Materials required for mortgage registration: certificate of legal representative issued by the bank, power of attorney of legal person, copy of ID card of legal person and client, copy of business license, copy of financial license, mortgage loan contract, application form for real estate mortgage registration, real estate license and copy of owner's ID card. It takes 15 natural days from delivery to pickup. (IX) How to mortgage real estate * * * Where there is real estate, everyone has the right to mortgage real estate, but it must obtain the written consent of others. Where real estate is mortgaged, it shall be limited to the share owned by the mortgagor; When all the real estates of * * * and * * * are mortgaged, all the real estates are mortgaged properties. When the collateral is sold, other owners shall bear joint and several liabilities. After the debt is paid off from the sale, other owners have the right to recover from the mortgagor. What problems should be paid attention to in housing mortgage loan? In fact, when we mortgage, especially when the third party provides mortgage, there are still many problems to pay attention to. At this time, in order to avoid risks, it is best to bring professional lawyers.

What are the small details that need attention in mortgage loan?

First, mortgage loans should pay attention to the types of mortgaged property.

The first premise of "mortgage" is to mortgage with real estate, so the type of mortgaged real estate also determines whether you can apply for a loan. When buying commercial housing or affordable housing, it is necessary to know whether the developer has handled the "Pre-sale Permit"; Whether a contract has been signed with a fund management center or a commercial bank; These are the prerequisites for whether you can apply for a loan. If the developer has not signed a contract with a financial institution and the mortgagor still wants to apply for a loan, the mortgagor can bring relevant information to the municipal house purchase guarantee company to apply for the loan guarantee business of mortgage of old houses and purchase of new houses.

Pay attention to the purchase of affordable housing loans, foreigners can not buy affordable housing, nor can they apply for loans; Pay attention to the proportion of personal property rights when purchasing fund-raising houses, and finally apply for the house ownership certificate. The area at the time of mortgage is also part of personal property rights; Before buying an auction house loan, you should know whether the house can be invoiced, whether the house can handle the house ownership certificate and whether the house can be mortgaged before you can participate in the auction (this kind of auction house loan can be handled in the house purchase guarantee company); If the relocated households ask for a loan after receiving monetary compensation from the owners, they should know in advance whether the developer has signed a cooperation agreement with the house purchase guarantee company. Because under normal circumstances, when the relocated households pay the difference in housing loans, the developer's "Pre-sale Permit" has not yet been completed. In this case, the loan can only be handled in the house purchase guarantee company.

Second, pay attention to the choice of housing mortgage interest rate.

Commercial housing or affordable housing loans, the first choice is provident fund loans, the lowest loan interest rate, but when buying a house, you should ask whether the developer has signed a contract with the fund management center, otherwise you can only apply for commercial loans.

Third, pay attention to signing a housing mortgage purchase contract.

When signing a commercial house, it depends on whether the contract signed is a commercial house sales contract or an affordable housing contract jointly supervised by the Real Estate and Housing Bureau and the Industrial and Commercial Bureau, otherwise, you cannot apply for a house ownership certificate or apply for a loan;

Fourth, issue proof of housing mortgage loan income.

Provident fund loans generally require 40% of wage income to repay loans; Commercial loans of housing and home purchase guarantee companies generally require 50% of wage income to repay loans. So before buying a house, you should know how much you can borrow according to your salary and decide what price to buy a house.

Verb (abbreviation of verb) housing loan with unstable income

If the income of the mortgagor is unstable or it is difficult for the loan officer to verify the income of the mortgagor, when the commercial bank can't get the loan, it will go to the house purchase guarantee company. For example, self-employed and taxi drivers have relatively unstable incomes and occupations, so it is easier to apply for housing loans in housing guarantee companies, and the policies here are relatively loose.

Vi. Matters needing attention for foreigners to handle real estate loans

When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to open a household registration certificate at the place where the account is located (some banks also require a certificate of employment); Moreover, the housing guarantee company's requirements for foreigners are temporary in addition to local income.

What are the precautions for housing mortgage loan?

Real estate mortgage loan is a good loan method, but not all houses can apply for real estate mortgage loan. This paper summarizes ten kinds of immovable property that can't be mortgaged and one kind of immovable property with limited mortgage when lending. This paper introduces the following legal experience. 1, public houses According to relevant regulations, public facilities for public welfare, such as schools, kindergartens and hospitals, are not allowed to be mortgaged, regardless of whether they belong to institutions, social organizations or individuals. 2. Small property houses only have the right to use, and there is no ownership granted by the real estate license. Banks naturally do not accept mortgage loans. 3. Can a house that has been mortgaged once with outstanding loans be mortgaged again? At the time of the first mortgage, the bank already had other rights to the property. The law does not allow two banks to obtain other rights of the same house. So the answer is number four. Second-hand housing banks with too long housing age and too small area have harsh conditions for second-hand housing mortgage loans, which are mostly limited to housing age and area. Generally, many banks refuse to lend second-hand houses with a house age of more than 20 years and a building area of less than 50 square meters. 5, less than 5 years of affordable housing less than 5 years, not allowed to go public, banks can not obtain his right certificate, can not apply for mortgage loans. 6. Some public houses can't provide the purchase contract or purchase agreement, or can't provide the listing certificate of the delivery center, so they can't make mortgage loans. 7, included in the cultural relics protection buildings and other buildings with important commemorative significance shall not be mortgaged. 8. Illegal buildings Illegal buildings or temporary buildings cannot be used for mortgage. 9 houses with disputed ownership and houses that have been sealed up, detained, supervised or restricted in other forms according to law shall not be mortgaged. 10, the houses within the scope have been announced according to law, and the houses included in the scope shall not be mortgaged. Finally, in addition to the above-mentioned properties that cannot be used as mortgage loans, there is another kind of mortgage that is subject to certain restrictions. In other words, houses purchased under the preferential policies of the state cannot be fully mortgaged, and the amount of mortgage is limited to the proportion of the disposition and income of the real estate owner.

What should I pay attention to when applying for a mortgage loan?

When applying for a mortgage loan, you should pay attention to the following matters:

1. The mortgaged property must be in the borrower's name. If the mortgaged property is owned by others, a statement that someone agrees to the mortgage loan shall also be issued.

2. Clarify the purpose of the loan. Mortgage loans are generally used for decoration, purchase of large durable consumer goods, study abroad and other consumption.

3. The borrower needs to submit a divorce agreement or judgment for divorce. If you are unmarried after divorce, you need to submit a certificate of unmarried after divorce.

4. Small property houses cannot apply for real estate mortgage loans, and real estate mortgage loan transactions can only be carried out when property rights are clear.

When 1. was established, the ownership of the house and the right to use the construction land were mortgaged together. Only in this way can the ownership of the house and the right to use the construction land be transferred at the same time when the mortgage is realized. The mortgagor only handles the mortgage registration of house ownership, but fails to handle the mortgage registration of construction land use right. When the house is mortgaged, the construction land use right should also be used as mortgaged property. Similarly, only the right to use construction land is registered, but the mortgage of house ownership is not registered. When the right to use construction land is mortgaged, the ownership of the house is also used as collateral.

2. For the real estate owned by * * *, with the written consent of other * * * owners, each * * owner has the right to mortgage the real estate. When setting mortgage for * * * real estate. Limited to the shares owned by the mortgagor himself; When mortgaged with the property jointly owned by * * *, the property is all mortgaged property. When the collateral is sold, others shall bear joint and several liability. After paying off the debt at a different price, others have the right to recover from the mortgagor.

3. Loan limit. The loan amount of house mortgage loan can generally be as high as 70% of the assessed value of collateral (taking the commercial house with the assessed value of 1 10,000 as an example, the maximum loan amount is 700,000). Some banks require it not to exceed 80% or more of the value of collateral. For loan purposes, banks generally require loan houses to provide reasonable loan purposes, such as decoration, industry assistance, consumption and so on. Of course, if the loan cannot be used reasonably and safely, the general intermediary company will find a way to deal with it. Choose the right loan bank

In order to win market share, some banks actually have a lot of bargaining space in terms of application conditions and interest rates. The borrower can choose the loan product with the fastest approval speed and the lowest cost according to his own situation. Borrowers who want to compare the loan products of various banks may wish to choose some loan platforms for inquiry. It is found that the annual interest rate of joint-stock bank loans is 7.15%; The loan amount is 65,438+0,000,000 yuan, and the term is 65,438+00 years. According to the matching principal and interest repayment method, the monthly repayment amount of Bank A is 1 1688.3 yuan, and that of Bank B is 1237 1.84 yuan. If Bank B is selected, the total interest expense can be saved by 82,024.8 yuan. There are many precautions in applying for mortgage, and mortgage also has certain risks. Therefore, we should be cautious when choosing mortgage loans and choose efficient mortgage loans.