When it comes to real estate certificates, everyone must be familiar with it. Normal commercial houses have real estate certificates. No one is willing to buy a house if the real estate certificate cannot be obtained. Because the real estate certificate is not only proof of ownership of the house, it also plays a big role in children's schooling and the transfer and sale of houses. However, many people don’t know what a real estate certificate is. So, what is the difference between a real estate certificate and a real estate certificate? How to mortgage a real estate certificate? Let’s take a look at the introduction of this article.

1. What is the difference between a real estate certificate and a real estate certificate?

1. Different service years

Usually, real estate certificates take an evasive attitude towards the price and service life of the house, while the new real estate certificate clearly stipulates the service life. In the new real estate certificate, a use period is set, and this use period actually refers to the period of land use rights and sea area use rights.

2. Different supervisory agencies

The supervisory agencies of the two are different. The supervisory unit of the real estate certificate is the Ministry of Housing and Urban-Rural Development of the People's Republic of China and the State Council (before the institutional reform of the State Council, the Ministry of Housing and Urban-Rural Development of the People's Republic of China and the State Council was the Ministry of Housing and Urban-Rural Development of the People's Republic of China and the State Council). The supervisory units for real property rights certificates are the People's Republic of China and the Ministry of Land and Resources of the People's Republic of China, which are completely different supervisory agencies.

3. Different certificates of awarding

The certificates of awarding of the two are different. The issuance certificate of the real estate certificate is: According to the "Constitution of the People's Republic of China" and the "City Real Estate Management Law of the People's Republic of China", in order to protect the legitimate rights and interests of the house owner, this certificate is issued to the owner for registration. The listed properties have been verified to be true and this certificate is issued. The issuance certificate of the real estate certificate is: In accordance with the "Property Law of the People's Republic of China" and other laws and regulations, in order to protect the legitimate rights and interests of the real estate owner, the real estate rights listed in this certificate applied for registration by the real estate owner shall be approved after review and verification. Register and issue this certificate.

4. Different seals

In addition, the seals on the real estate certificate and the real estate certificate are different. The real estate registration agency is determined by the people's government at or above the county level in accordance with the law and is responsible for the unified registration of real estate. The seal of the registration department shall be the official seal of each registration agency, and the seal of the real estate certificate shall be the official seal of each local people's government.

2. How to mortgage the real estate certificate?

1. The borrower prepares relevant information

Before applying for a loan, the borrower needs to provide the bank with a lot of information, including ID card, household register, marriage certificate, real estate certificate, and house purchase certificate. contract.

2. Bank statement

According to the different value of the house, the bank's mortgage limit is also different. In addition to the need to mortgage the real estate certificate, in order to better avoid risks, the bank also The borrower needs to have good credit and financial strength, so most banks will require the borrower to provide bank statements of the personal account for the past six months.

3. Apply for a loan from the bank

The amount of a house loan is generally more than 5,000 yuan and less than 70% of the property value. The expected annual interest rate of the loan will be increased by a certain percentage based on the central bank's benchmark expected annual interest rate. The loan period is generally 5 to 30 years. The repayment methods generally include equal amounts of principal and interest, and equal amounts of principal. The former has less repayment pressure in the early stage, and the latter The repayment pressure in the later period is less, and the borrower can flexibly choose according to his or her own situation.

4. Bank review of home loan

After applying for a home loan, the bank begins to review the borrower's qualifications.

5. After the bank passes the review and goes through the relevant procedures

After the bank passes the borrower's mortgage review and agrees to approve the loan, the borrower needs to go to the local county level or above with the bank clerk. The maternity ward management department handles the mortgage registration procedures.

6. The bank obtains the real estate certificate and lends money

After the above procedures and processes are completed, the bank will lend money to the borrower. However, since it is a housing loan, generally speaking, the bank's loan will be directly transferred to the account of the real estate developer and will not be directly distributed to the borrower.