1. Do you need proof of mortgaged property for mortgage?

Mortgage requires a mortgage real estate license, and it is difficult to apply for a loan without a real estate license. If real estate is used as a loan, a written contract shall be signed and mortgage registration shall be handled according to law. The real estate mortgage contract shall take effect from the date of mortgage registration.

Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property.

The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Second, the housing mortgage loan process

1. The loan applicant shall fill in the application form at the loan handling outlet with the following supporting documents: valid identity documents; Proof of marital status; Pledge and mortgage documents, if the guarantor provides guarantee, there must be guarantee documents.

2. Loan approval by the borrowing bank: the bank investigates the borrower's guarantee and credit, and conducts examination and approval according to the procedures, and informs the borrower of the examination and approval results.

3. The applicant signs a contract with the bank: after the borrower applies for approval, he shall go through the following procedures: sign a loan contract and corresponding guarantee contract with the bank, and go through the formalities of notarization, insurance and mortgage (pledge) registration.

4. Bank Lending: After the borrower completes the relevant procedures, China Merchants Bank will pay the loan to the borrower's personal account according to the borrower's entrustment and transfer the loan to the relevant payee's account.

5. After investigation and approval, sign a loan contract. After completing the registration notarization, the agent of the loan bank deposits the money into the seller's account (the insurance is based on the principle of customer's voluntariness), and informs the customer to go to the seller to handle the purchase formalities with the contract.

6. The loan bank pays the deed tax, obtains the deed certificate, and completes the registration procedures of real estate title certificate and house mortgage. The fees are strictly in accordance with the charging standards of the relevant competent authorities, and no agency fees are charged. The borrower must provide all the materials required for the above procedures. After the loan is returned, the lender cancels the collateral and returns it to the customer.

Three. Problems needing attention in housing mortgage loan

1. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property.

6. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

Applying for a loan in a bank, if there is no real estate license, will affect the probability of the loan being approved.

Legal objectivity:

"Measures for the Administration of Commercial Housing Sales" Article 6 The pre-sale permit system shall be implemented for the pre-sale of commercial housing. The pre-sale conditions of commercial housing and the procedures for the pre-sale permit of commercial housing shall be implemented in accordance with the relevant provisions of the Regulations on the Administration of Urban Real Estate Development and Management and the Measures for the Administration of Urban Commercial Housing Pre-sale.