In practice, mortgage loan refers to the type of mortgage loan provided by customers with products that can be listed and circulated. The difference between second-hand housing loans and first-hand housing loans is that customers have the ownership of the property now, not soon. The loan demand of pawn shops has clear loan purposes and cannot be used for purposes prohibited by laws and regulations. For example, real estate speculation and stock speculation are not allowed. It is required that the loans of pawn shops must be earmarked for special purposes, and accept the supervision and supervision arrangements of the lenders. If violations are found, the bank has the right to recover the loan.
Basic conditions of housing loan for residents. Housing requirements
1. The house is clearly produced and meets the listing and sales conditions stipulated by national rules, and can enter the real estate sales circulation without any other pawn;
2. The sum of the house age (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
3. Pawn houses are not included in the local urban reconstruction and demolition planning, and there are real estate licenses and land certificates issued by the real estate part and the land treatment part;
II. Requirements for Lenders
China citizens who have fixed real estate in China, fixed residence in local towns (or useful certificates), have full capacity for civil conduct and meet the following conditions may request individuals to collect consumer loans.
1, reasonable operation, stable income source, and the ability to repay the loan principal and interest on schedule;
2. No record of illegal acts and bad reputation;
3. Being able to provide the pledge guarantee of the useful right recognized by the bank, or being able to use legal and useful real estate as pawn guarantee or a third party with compensatory ability to provide guarantee;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree with the bank to deduct the loan principal and interest from its designated personal settlement account;
5. Other conditions of banking rules.
Personal housing loan process
1. Both parties sign a house purchase and sale contract, and agree on the down payment, loan and final payment.
2. The buyer and his lover should apply for a loan from the bank, and the seller and his lover should participate in the identification.
3. The bank inquires and reviews the loan request.
4. The buyer signs a loan and guarantee contract with the bank.
5. The seller transfers the property right of the house to the buyer, and the seller gets the down payment from the buyer.
6. The purchaser shall register the real estate pawn with the bank (or other natural persons and legal persons shall provide phased guarantee for the purchaser).
7. The bank issues loans to the seller's account.
8. The buyer and the seller settle the house property, and the seller obtains the final payment from the buyer.
9. The purchaser repossesses the house and repays it on a monthly basis (under the condition of installment guarantee, the purchaser and the bank re-register the real estate pawn).
Information needed for housing loan
1, real estate license (bank loans need to pawn real estate license and land certificate).
2. Identity cards of the obligee and lover.
3. The household registration book of the obligee and lover.
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).
5. proof of income (this proof has a great influence on the success of the mortgage bank loan and the maximum amount. )。
6. If the property owner has minor children, please provide birth certificate.
7. If the property has a bank loan, please provide the original loan contract and the final bank statement.
8. In order to speed up the success rate of mortgage loans, please try to provide proof of other family businesses (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).