Because the mortgage owed to the bank is overdue, the result is that the borrower's personal credit will be blacklisted by the bank. Generally, legal procedures are followed, and the court will decide to enforce the auction procedure. Application materials: 1, real estate license (real estate license and land certificate must be mortgaged to the bank in the mortgage bank loan). 2. Identity cards of the obligee and spouse, household registration books of the obligee and spouse. 3. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. 4. If the property owner has minor children, please provide birth certificate. 5. If the property has a bank loan, please provide the original loan contract and the latest bank statement. 6. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).
Instructions for handling: Housing mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link.
I. Housing requirements
(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;
(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;
(three) the mortgaged house is not included in the local urban transformation and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department;
Two. Requirements of the lender
China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.
1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;
2. No illegal acts and bad credit records;
3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
5. Other conditions stipulated by the bank.