Status of mortgaged property:
The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage; Age of the house (calculated from the date of completion of the house)+loan period not exceeding 40 years; Mortgaged houses are not included in the local urban transformation and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor and his spouse or other property co-owners to sign it.
Materials to be submitted by the Lender:
The materials that the borrower needs to provide are: ID card and household registration book; Personal income certificate (stamped with the official seal of the unit); Copy of the business license of the unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; The original and photocopy of the house ownership certificate and the original house purchase agreement; Notarial certificate of the owner and co-owner of the house agreeing to mortgage and proof of the use of the loan. Different types of houses need to prepare different materials, as follows:
First, the existing housing mortgage loan
(1) Property mortgage contract (signed by both husband and wife);
(2) proof of house ownership;
(3) Copy of land use right certificate (original inspection);
(4) A real estate appraisal report issued by a qualified appraisal agency;
⑤ Bank loan contract;
(6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the single household registration is located.
Second, the mortgage of faster house.
(1) Purchase pre-sale contract;
(2) signing a house purchase loan contract with the bank;
(3) Copy of the house purchase prepayment receipt (original inspection);
(4) A copy of the marriage certificate of husband and wife (original inspection), a certificate issued by the civil affairs department where the household registration is located.