Conditions for mortgaged property:

Commercial houses and commercial houses with clear property rights and strong liquidity are needed as collateral. The following conditions must be met:

Handling in the same city: Mortgaged real estate and loan handling outlets must be in the same city, and remote mortgages are not accepted.

Do not accept the real estate with appraised present value ≤ 6,543,800+as collateral;

The title certificate with clear property rights can be listed and circulated, and mortgage registration can be handled, and there is no unfavorable liquidation situation such as property rights disputes;

Strong mobility: the building structure is good, with complete facilities and services such as water and electricity, transportation and property management, and there are no problems and troubles, which are not within the scope of government planning;

The age of the mortgaged commercial house is ≤20 years, and the loan/credit period is ≤40 years; The age of the mortgaged commercial house is ≤20 years, and the loan/credit term is ≤30 years.

In principle, commercial housing that has been idle for more than 6 months is not accepted as collateral.

skill

Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.

2. Is there a child's name on the real estate license for mortgage loan?

The property under the children's name cannot be mortgaged for the following reasons: According to Article 18 of the General Principles of the Civil Law, the guardian shall safeguard the interests of the ward and shall not dispose of the ward's property except to protect the ward's interests. Mortgage is a disciplinary action. When the guardian uses the property under the name of a minor for production or life, he should generally not accept such business, otherwise it may be considered as infringing on the interests of the ward, and it may be considered as invalid mortgage, which is risky.

Third, can rural self-built houses apply for mortgage loans without real estate licenses?

Can rural self-built houses usually be used for mortgage loans in the case of shortage of funds? Surely this is something that many people don't know much about?

1. Can farmers mortgage loans?

Generally can be mortgaged. In rural areas, mortgage procedures can generally be done, and the most important thing is the property certificate of the house. At present, there are some self-built houses in rural areas in China, with only land use certificates and no housing property certificates. It is impossible to apply for a loan in this situation.

In addition, whether rural self-built houses can be mortgaged depends on the actual situation. Such as the service life of the house, the geographical location of the new house, the realized value, etc. If the present value is low, even if you get a mortgage after completing the formalities.

Second, what are the conditions for self-built mortgage loans?

1, legal company, valid ID.

2. The applicant has repayment ability and stable income;

3. The building is approved by the department;

4. No bad credit record.

5. The down payment or down payment deposit certificate has been prepared;

6. Legal and effective purchase contract;

7. Certificate of house use;

8. Other conditions stipulated by the bank.

Third, how to apply for mortgage loans for self-built houses?

1. Submit the application

Applicants need to fill in the form and submit it to the bank for review.

2. Bank audit

After accepting the application, the bank shall examine whether the application materials are true. After the audit is completed, the bank will give the audit results. If it passes, go to the bank to go through the formalities. If it fails, it will tell the specific reason.

Step 3 sign a contract

After receiving the notice from the bank and knowing the relevant contents, you can sign a loan contract.

4. Go through the mortgage formalities

After signing the loan contract, the applicant needs to go through the formalities of house mortgage and loan insurance.

5. Bank loans

After the formalities are completed, the bank only needs to repay the loan on time.

4. Can a self-built house be mortgaged with a real estate license?

Subjectivity of law: rural self-built houses can be mortgaged with real estate licenses. Property owners can bring their ID cards, household registration books and real estate licenses to the bank to apply for a written mortgage loan. The bank will examine the borrower's qualification, open an account by signing a loan contract, and go through the mortgage registration formalities with the housing management department before withdrawing the loan.

Legal objectivity: Article 395 of the Civil Code stipulates that the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.