1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
2. The procedures of housing mortgage loan are as follows:
1. Apply for a loan from Mianyang Mortgage Company and sign relevant contracts.
2. Mianyang mortgage company issued a loan notice, and then went to the Housing Authority for mortgage registration and took out his warrants.
3. Give other warrants to Mianyang Mortgage Company and Mianyang Mortgage Company for loans.
Mianyang real estate loan related legal knowledge:
The Property Ownership Certificate and the Land Ownership Certificate are legal documents issued by the real estate management authority to the obligee, who exercises the house ownership according to law. Housing ownership certificate and land ownership certificate are legal documents issued by real estate management authorities to other obligees such as mortgagees. The exercise of other rights by the holder of other rights according to the certificate is protected by the state law. China's current laws and regulations (guarantee law, urban real estate management law, etc.). ) there is no specific provision on which party should keep these two certificates. However, Article 34 of the Measures for the Administration of Urban Real Estate Mortgage issued by the Ministry of Construction in June 1997 98 stipulates: "If the real estate with legally acquired house ownership is mortgaged, the registration authority shall record his other rights in the original house ownership certificate and the mortgagor shall take over. And issue the "Property Ownership Certificate" to the mortgagee. " According to this regulation, we can know that after the house is mortgaged, the house ownership certificate is kept by the mortgagor and the house ownership certificate is kept by the mortgagee. The Ministry of Construction's Measures for the Administration of Urban Real Estate Mortgage is a departmental regulation of the State Council. The adjustment scope and legal effect of departmental rules are limited. According to the relevant provisions of China's Legislation Law, first of all, ministries and commissions in the State Council can only formulate departmental rules "within the scope of their functions and powers" according to laws and administrative regulations, decisions and orders in the State Council, that is to say, the rules they formulate generally cannot adjust their social relations with other organs and departments; Secondly, matters stipulated in departmental rules should belong to the enforcement of laws or administrative regulations, decisions and orders of the State Council, that is to say, the contents of departmental rules should be implemented, and it is generally not appropriate to create a new legal system; Thirdly, the effectiveness of departmental rules is extremely limited and cannot be used as the basis for court trials.
In practice, different mortgagees take different approaches to who will keep the house ownership certificate and the house ownership certificate (including the two certificates of land, the same below), and whether the mortgagor and the mortgagee will keep them separately or jointly. Because there are many cases of Mianyang mortgage company as the mortgagee in practice, the author understands the mortgage situation of several well-known Mianyang mortgage companies. The result of the investigation is that when Mianyang Mortgage Company is the mortgagee, who will keep the real estate license and property right certificate, and the specific method will be decided by Mianyang Mortgage Company. Some Mianyang mortgage companies only keep the real estate license, and some Mianyang mortgage companies collect it and keep it with the real estate license. For example, a branch of China Construction Mianyang Mortgage Company stipulates: "After the mortgage registration is completed, the house ownership certificate shall be kept by Party B, and the house ownership certificate of the mortgaged property shall be kept by Party B at the same time." A mortgage company in Mianyang, Bank of China stipulates: "After the collateral mortgage is established, the borrower shall hand over the original documents such as the Commercial House Sales Contract (or real estate license and house ownership certificate) to the lender for safekeeping until the loan principal and interest and related expenses are paid off." A mortgage company of Agricultural Bank of China stipulates: "The borrower shall receive and keep the original real estate ownership certificate and other relevant documents of the mortgaged property from the lender." Minsheng Mianyang Mortgage Company stipulates: "The original property certificate after mortgage registration and transfer shall be kept by Party A (Mianyang Mortgage Company)." Only China Industrial and Commercial Mianyang Mortgage Company stipulates: "The mortgagor shall deliver the other rights of the mortgaged property and the mortgage registration certificate to the mortgagee for safekeeping on the date of mortgage registration in this contract." In other words, only China Industrial and Commercial Mianyang Mortgage Company does not need to receive the borrower's Property Certificate, and other Mianyang mortgage companies have to receive two certificates.
Whether a system has justice often depends on whether it can take into account the interests of all parties and treat all kinds of stakeholders equally. The value of law lies in whether it can maintain the balance of interests of most people to the greatest extent. So should the mortgage registration system. The real estate mortgage registration system should meet the requirements of market development, with the starting point of encouraging transactions, protecting the interests of bona fide counterparts and maintaining the balance of interests between the two parties.
Mianyang housing mortgage loan: interest before principal 1.5%, residential shops lend money on the same day, repay in advance with the loan, without penalty interest, and the company independently approves direct loans.
Mianyang fund business, Mianyang bridge fund, bank deposit impulse, various personal account setting businesses.
Mianyang mortgage loan information preparation: ID card, household registration book, marriage certificate, real estate license, personal half-year bank flow, no overdue personal credit request at present, driving license, and relevant information provided by the business owner.