Materials to be provided for real estate mortgage loan: ID card, household registration book, household registration book, marriage certificate, bank account number, and salary certificates of both husband and wife. Of course, the basic conditions of bank loans must be met, such as the age of the house is mainly between 18 and 65 years old, the age of the house is not more than 20 years, and the house with a good geographical location is not more than 30 years. The house must be a commercial house with big property rights, and there is no real estate dispute ◆ ID card, household registration book, proof of residence address and proof of marital status. ◆ Personal income certificate and asset status certificate. ◆ Proof of property right of mortgaged house. ◆ If the applicant mortgages other people's property, it is also required to provide the ID card of the property owner (including the owner of * * *), proof of marital status and written proof of consent to mortgage. Mortgage bank loan process ◆ The borrower applies and submits relevant materials. ◆ Conduct real estate appraisal and pre-loan investigation and approval. ◆ Pass the examination and approval and go through the mortgage registration formalities. ◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract. ◆ Settle the loan principal and interest and recover the mortgaged house. Details, the specific relevant departments will tell you.
What are the procedures for real estate mortgage?
(A) the basic conditions of real estate mortgage
According to the relevant provisions of China's "Guarantee Law", the following real estate can be mortgaged;
(1) Houses and other fixed objects on the ground owned by the Mortgagor;
(two) the right to use state-owned land, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law;
(3) The right to use barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer.
At the same time, the following real estate shall not be mortgaged:
(1) Land ownership;
(2) The right to use collectively owned land such as cultivated land, homestead and hilly land, except for the land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and agreed by the employer, which is mortgaged by buildings such as factories of township (town) and village enterprises;
(3) Public real estate such as schools, kindergartens and hospitals;
(four) the ownership and use right of unknown or controversial real estate;
(5) Real estate that has been sealed up, detained and supervised according to law;
(six) other real estate that cannot be mortgaged according to law.
The property can be mortgaged repeatedly. According to the laws of our country, if the mortgaged value of real estate is greater than the balance of secured creditor's rights, it can be mortgaged again, but it shall not exceed the balance. That is to say, repeated mortgage is allowed, but the value of the real estate is greater than (or equal to) the sum of the creditor's rights it guarantees.
(b) Banks should reevaluate real estate when granting mortgage loans.
The price when the mortgage applicant buys real estate is called the transaction price of real estate. However, financial institutions do not use the transaction price of real estate as the basis for determining the value of mortgaged real estate. Financial institutions that issue mortgage loans must entrust real estate appraisal agencies to re-evaluate real estate. Because when the debtor fails to perform the debt, the creditor (that is, the financial institution) needs to sell the real estate to realize his creditor's rights, so the financial institution must know the actual value of the real estate, so as to determine the loan amount (according to a certain proportion of the real estate value) and ensure the safety of the loan.
(C) how to sign a personal housing mortgage loan contract
In the personal housing loan business, the borrower and the bank need to sign a written housing mortgage loan contract, which mainly includes mortgage contract and loan contract.
The loan contract shall include:
(1) Types and uses of loans. Loans are mortgage loans, which can only be used for buying, building and repairing self-occupied houses, and cannot be used for other purposes.
(2) loan amount and interest rate. The maximum loan amount can only reach 70% of the investment in house purchase or housing construction, and the loan interest rate shall be implemented in accordance with the relevant provisions of the People's Bank of China.
(3) loan term and repayment method. The loan period is generally not more than ten years. Generally, there are two repayment methods: monthly average repayment method and progressive repayment method. The monthly average repayment method refers to the full repayment of loan principal and interest with equal repayment amount every month within the loan term; Progressive repayment method refers to increasing the repayment amount year by year or every few years during the loan period, but repaying the loan principal and interest with the same repayment amount every year or every month for several years.
(4) Alteration and dissolution of the contract. If the loan contract needs to be modified or terminated, it must be agreed by both parties through consultation. Before both parties reach an agreement, the original loan contract will remain valid.
(5) Liability for breach of contract. For the lender, its breach of contract mainly means that the borrower fails to deliver the money to the borrower on time as agreed in the contract; For the borrower, there are many possible defaults, mainly including the following behaviors: ① the borrower cannot repay the principal and interest on time; ② The borrower provides false documents to the lender; (8) The borrower changes the purpose of the loan and misappropriates the loan without the consent of the lender; (4) The borrower rents, sells, transfers, presents or re-mortgages the mortgaged house without the consent of the lender; The borrower uses the loan to engage in activities that violate national policies and laws; 6. Obtaining loans from two or more branches of the same lender.
The mortgage contract shall include the following contents:
(1) Type and amount of secured creditor's rights. The secured principal creditor's right is the housing loan amount, that is, the loan amount.
(2) the time limit for the debtor to perform the debt. The time limit for the debtor to perform the debt is actually the time limit for borrowing.
(3) Name, quantity, quality, condition, location, ownership or right to use the mortgaged property.
(4) The scope of mortgage guarantee. The scope of mortgage guarantee includes principal creditor's rights and interest, liquidated damages, damages and expenses for realizing mortgage right.
(5) Other matters that the mortgagor and the mortgagor think need to be agreed. Under normal circumstances, both borrowers and lenders will combine the loan contract and mortgage contract into one. ......
What are the procedures for real estate mortgage?
Enterprises (industrial and commercial licenses) with real estate as collateral apply for loans for lenders.
The lender first negotiates with the bank about the mortgage loan, and then applies to the appraisal company for appraisal according to the designation of the bank, and obtains the appraisal report. After that, the lender and his wife apply for mortgage loan in the bank with their identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report, and then go to the housing management department for mortgage registration and withdraw the loan from the bank!
What materials should be provided for mortgage loan?
Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral.
Required information:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Repayment method:
1, principal repayment
It is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so at the beginning, because of the large amount of principal, the interest will be paid more, so that the repayment amount will be more at the beginning, and the later time will be reduced every month. The advantage of this method is that because the initial repayment amount is large, the interest expense will be reduced, which is more suitable for families with strong repayment ability.
2. Repaying principal and interest
During the repayment period, the same amount of loans (including principal and interest) will be repaid every month, so that the monthly repayment amount is fixed, so that the expenditure of family income can be controlled in a planned way, and it is convenient for each family to determine the repayment amount according to their own income.
What materials do mortgage banks need?
Hello, our personal consumption loan is a loan issued by our bank to natural persons, which is used for personal or family legitimate consumption purposes such as car purchase, decoration, education, bulk consumption shopping, tourism and so on, with the settled property with complete documents as collateral. (generally, gold is not found). When applying, you need to provide personal information and proof of specific use of funds to the personal loan department. At present, this business has not been carried out in some cities. You can tell our online customers the name of your city, and we will help you check whether this business started locally (forum.cmbchina/ online customer service ... ncmu=0). Thank you for your attention and support!
What are the procedures for mortgage loan? 5 points
You can log in to Rong 360 to apply for a mortgage loan.
Repayment method of mortgage bank loans: Personal consumption loans are generally repaid with equal principal and interest, and the loan term is 15 years. Personal business loans are divided into two types: equal principal and interest and interest before principal. The loan term is 15 years and 1 year respectively. Materials to be provided for mortgage bank loans: personal identification, household registration book, proof of residential address and proof of marital status. Personal income certificate or asset status certificate. Proof of property right of mortgaged house. If the applicant mortgages other people's property, it is also required to provide the identity card of the property owner (including the owner of * * *), proof of marital status and written proof of consent to mortgage. Loan process: the borrower applies and submits relevant materials. Real estate appraisal, pre-loan investigation and approval. Pass the examination and approval, and go through the mortgage registration formalities. When issuing a loan, the borrower shall repay the principal and interest of the loan regularly as agreed in the contract. Settle the loan principal and interest and recover the mortgaged house.
What are the procedures for real estate mortgage?
The borrower shall meet the following conditions:
1. Hold legal and valid identity documents, have permanent residence or valid residence status in local towns, and have a fixed residence.
2. Approved by the industrial and commercial department, registered according to law, and holding a legal and valid business license.
3. It has a fixed business place, a clear production and operation plan and a clear legal loan purpose.
4. Good credit, no default or bad credit record, ability to repay the loan principal and interest on schedule, and willingness to bear.
Be supervised by the credit settlement of the lending bank.
5. It can provide legal and effective guarantee recognized by CITIC Industrial Bank.
6. Other conditions stipulated by laws and CITIC Industrial Bank.
deadline
The loan term can be as long as 3 years, but the working capital loan for production and operation shall not exceed 1 year.
loan limit
1. If secured by mortgage, the loan amount shall not exceed 70% of the value of the collateral;
2. At the time of pledge, the loan amount shall not exceed 90% of the value of the pledged property.
Loan procedure
1. You need to open a current deposit account in the business institution of CITIC Industrial Bank;
2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;
3. The person in charge of banking business or the appointed lawyer will visit you at home to investigate the authenticity of the information you provide.
Sex, legitimacy and integrity;
4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;
5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;
6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;
7. Please repay the principal and interest according to the loan contract.
Documents or materials to be submitted by the borrower
1. Legal identity certificate of the borrower (household registration book, resident identity card or other valid residence certificate, marriage certificate)
Mingdeng. ) and a copy of the original;
2. Original and photocopy of business license;
3 proof of the borrower's family property and economic income (including the proof of the personnel department of the unit where the borrower and his spouse work)
Personal income certificate or tax payment certificate, bank deposit certificate, real estate license, securities, etc. );
4 information that can prove the reasonable use of the loan, such as clear production and operation plans, tax payment vouchers, purchase orders, etc.;
5. List of collateral (pledge), certificate of ownership, certificate of consent of the person with the right to dispose of the mortgage (pledge), and the right department.
Collateral appraisal report issued by the door or an appraisal institution recognized by CITIC Industrial Bank or signed with CITIC Industrial Bank.
Collateral valuation agreement and collateral insurance policy;
6. Other materials required by CITIC Industrial Bank.
Please consult the local branch of CITIC Industrial Bank for specific loan conditions and procedures.
Personal commercial housing loan
Personal commercial housing loans refer to loans granted to natural persons to purchase commercial housing.
Letter of credit clause
The borrower shall meet the following conditions:
1. Have legal identity documents, local permanent residence or valid residence certificates;
2 have a stable economic income and the ability to repay the principal and interest of the loan on schedule;
3. Holding a house purchase contract or agreement;
4. Can provide proof of down payment or down payment for house purchase;
5. No bad credit record;
6. Other conditions stipulated by CITIC Industrial Bank.
Term and amount of loan
The loan term can be as long as 10 years, with a maximum of 60%.
Repayment method
1. If the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal;
2. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly. The repayment method can be equal monthly principal and interest or
Monthly average capital repayment method.
Loan procedure
1. You need to open a current deposit account in the business institution of CITIC Industrial Bank;
2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;
3. The person in charge of banking business or the appointed lawyer will visit you at home to investigate the authenticity of the information you provide.
Sex, legitimacy and integrity;
4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;
5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;
6. CITIC Industrial Bank will directly transfer the loan to your special account opened in CITIC Industrial Bank or refer it by you.
An account approved by CITIC Industrial Bank;
7. Please repay the principal and interest according to the loan contract.
Documents or materials to be submitted by the borrower
1. Borrower's valid ID card (resident ID card or military officer's card, police officer's card, passport, etc. ), household registration book or pawn.
Original and photocopy of long-term residence certificate;
2. The borrower's income certificate, including payroll and tax payment certificate; Collect by family ......
What materials should be prepared for real estate mortgage?
Materials required for mortgage registration of existing houses and houses under construction. To handle the registration of real estate mortgage, the following documents shall be submitted to the registration authority:
(1) The identity certificate or legal person qualification certificate of the mortgagor;
(2) An application for mortgage registration;
(3) mortgage contract;
(4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted;
(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;
(6) Information that can prove the value of the mortgaged real estate;
(7) Other documents deemed necessary by the registration authority.
Materials needed for real estate mortgage registration
First, the stock room mortgage registration
1. Original Property Ownership Certificate
2 original state-owned land use certificate. Original master debt contract (loan contract if lending to a bank).
4. Real estate appraisal report (issued by an institution with real estate appraisal qualification).
5. The original and photocopy of the business license of the enterprise as a legal person (the mortgagor or mortgagee is the unit)
6. Original and photocopy of ID card (the mortgagor or mortgagee is an individual)
7. Power of attorney (if the mortgagor and mortgagee are individuals and cannot be present to entrust others to handle the matter, a notarized power of attorney shall be issued). Application for registration of real estate mortgage in Nanjing.
9. Nanjing real estate mortgage contract
Second, the mortgage registration of construction in progress
1, the original "State-owned Land Use Certificate"
2. Original construction project planning permit
3. Original "Pre-sale Permit for Commercial Housing"
4. Original loan contract
5. Real estate appraisal report (issued by an institution with real estate appraisal qualification).
6. Original and photocopy of business license of enterprise as a legal person
7. Power of Attorney
8. Nanjing real estate mortgage registration application. Nanjing real estate mortgage contract
What are the procedures for real estate mortgage loan?
First of all, you have to wait for the house to be delivered, and then get the real estate license and land certificate.
Second, find banks to recommend commercial banks, such as Shenzhen Development Bank, China CITIC Bank and Shanghai Pudong Development Bank. And the services of the four major state-owned banks are generally not so good. Say you want to apply for a mortgage. You are generally required to provide the purpose of your loan here (banks should control risks). You need to provide your room card, ID card, single certificate or marriage certificate, income certificate (it doesn't matter if you don't have a job, just ask a friend's company to open one for you, which is not very important).
Then the bank will let you sign a mortgage contract and evaluate your house. Generally speaking, you can borrow 60% of the appraised price of your house.
The rest will wait for the next paragraph.
By the way, when you get a house and apply for a mortgage loan, your handling fee, including interest rate, is higher than when you directly apply for a commercial housing mortgage when you buy a house, and the loan money is less. If you are familiar with the development company, you can discuss it, re-sign the purchase contract and turn it into a commercial housing mortgage. After the bank pays, let the development company return your previous one-time payment. This is more cost-effective, of course, this requires the cooperation of development companies, not so easy.
What materials are needed for mortgage and what procedures are needed for mortgage?
Details are as follows. There are Party A, Party B, Party C and Party D, among which Party A, Party B and Party C are three borrowers and Party D is a bank loan officer. The real estate license that A took out and the real estate license that B took out and the real estate license that C took out were tied together to find a loan. A borrowed 2W, B borrowed 3W and C borrowed 4W. These three properties were originally bundled together for loans. After the loan expires, Party A's 2W loan has been repaid, while Party B and Party C have not yet repaid it. 2。 A Can I take out the mortgaged property first? 3。 The mortgaged property was originally in the bank or the Housing Authority. Now A says that the real estate was originally in the Housing Authority.