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Usually people choose house mortgage loans for loans. Recently, a friend asked the editor, can a commercial house be mortgaged? Today the editor I will answer it for you. Friends who want to know may wish to join the editor to see what the conditions for real estate mortgage loans are!

1. Can commercial housing be used as a mortgage loan?

Commercial housing can be used as a bank mortgage loan. First, go to the bank to apply for a commercial housing mortgage loan and prepare the materials to the bank for approval. After approval, the bank will sign a loan contract with the borrower, register the mortgage, and give it a certificate of rights. The bank will then transfer the loan to the borrower. in the specified account.

2. What are the conditions for real estate mortgage loans

1. The mortgaged property must have a real estate certificate and a land certificate;

2. The mortgaged property must have certain property rights. It must be clear that there are no property rights disputes;

3. The mortgaged property must comply with the national listing regulations and transaction conditions;

4. The mortgaged property is not included in the local urban reconstruction and demolition plan;

5. The mortgaged property should have the ability to be liquidated;

6. The combined age of the house and the loan term cannot exceed 40 years.

3. House mortgage loan application materials

1. Real estate certificate;

2. Identity cards of the mortgagor and spouse;

3. Household registers of the mortgagor and spouse;

4. Marriage certificate of the mortgagor;

5. Proof of income of the mortgagor;

6. If If the owner of the real estate certificate is still a minor, a birth certificate is required;

7. If the property has a bank loan, the original loan contract and the last bank statement must be provided;

8. In order to improve the efficiency of house mortgage loan approval, you should prepare as many certificates related to other family properties as possible, such as: real estate certificates, stocks, funds, cash passbooks, vehicle driving licenses, etc.

The editor summarizes: The above is what the editor has shared with you about whether commercial housing can be mortgaged and what are the conditions for real estate mortgage loans. I believe you will have a corresponding understanding after reading the above sharing. If you need For more relevant information, please continue to pay attention to the Qijia.com website, and the editor will answer your questions one by one.

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