When handling mortgage loans, you should first go to the local real estate trading center to complete the certificate of other rights, and the bank can only issue loans with the certificate of other rights.
The certificate of other rights records the amount of money borrowed from the bank by the head of the household, the mortgagor and the mortgagee, the address of the real estate, the mortgage period and other information, and records it in the computer system of the real estate trading center. Therefore, even if the real estate license is placed in the head of the household, the head of the household cannot buy or sell it casually, and the bank loan must be paid off before resale.
Extended data
Information to be provided by the borrower:
1, husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate;
3 proof of income (in the format stipulated by the bank);
4. Copy of the business license of the unit (with official seal);
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year.
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