You can apply for a mortgage, so what is your collateral?

Second, can two houses be mortgaged? Handling of mortgage loan for two limited houses

The full name of "two-limited housing" is actually an ordinary commodity housing with limited house price and limited apartment type, which can also be called "two-limited" commodity housing. In fact, the "two-limited housing" refers to the housing project development and construction unit determined by bidding with the approval of the Municipal People's Government by limiting the proportion of Xing Tao, limiting the land price and winning the housing price. The winning bidder builds according to the agreed standard, and the low-priced two-limit house sold to all eligible residents at the agreed price can be mortgaged?

Can two price-limited houses be mortgaged?

Real estate mortgage consumer credit refers to a kind of capital credit method in which a borrower applies for a loan from a bank with the property of a third party legally owned by him or recognized by the bank. The money can be used for all kinds of consumption, such as buying a house, decorating, family consumption, and also for all kinds of consumption. The mortgaged property can still be used or rented normally. Mortgage the house. Once the borrower can't dispose of the house as collateral, it will be repaid first.

Standard conditions for applying for Fannie and Freddie loans:

1. It is not necessary for the applicant's whole family to be registered in Beijing, as long as one person is the head of the household.

The requirement of being single is over 30 years old.

3. You must be an only child with your parents and your parents are both dead.

4. There are no restrictions on the existing per capita housing area, but there are restrictions on the existing total assets such as bank deposits, stocks and securities, and automobiles. Do not exceed the policy requirements (the annual household income does not exceed 88,000 yuan, and the per capita net use value of housing is 570,000 yuan or less).

How to handle the mortgage loan for two limited houses?

(1) Prepare information and apply.

(2) Bank investigation and approval

(3) sign a loan contract and notarize it.

(4) treatment

(5) Loan issuance

(6) Repayment on schedule

(7) Cancellation of mortgage

The mortgage loan for two-room houses needs to meet the following conditions:

1. There is no loan or the loan has been settled for the two limited houses used as mortgage loans;

2. The age of the house is within the age range specified by the lending institution;

3. All materials and certificates of the house are complete;

4. The borrower has a stable income source, good credit and repayment ability;

5、

Is this the money that Bian Xiao earned for everyone? How to handle mortgage loans for two limited houses is for reference only. I hope I can help those friends who are going to buy two limited rooms and learn more about the website of the relevant letter.

3. Can competitive housing in Beijing be mortgaged?

can

Standard conditions for applying for Fannie and Freddie loans:

1. It is not necessary for the applicant's whole family to have a Beijing hukou, only one person can, but the person with a Beijing hukou must be the head of the household.

The requirement of being single is over 30 years old.

3. The applicant must be an only child with parents over 50 years old.

4. There is no limit to the existing per capita housing area, but the existing housing should be valued. Total assets of all bank deposits, stocks and securities, automobiles, etc. The applicant's name shall not exceed the policy requirements (the annual family income shall not exceed 88,000 yuan, the per capita housing area 15 _ and below, and the family net assets shall be 570,000 yuan and below).

How to handle the mortgage loan for two limited houses?

(1) Prepare information and apply.

(2) Bank investigation and approval

(3) sign a loan contract and notarize it.

(4) Mortgage registration

(5) Loan issuance

(6) Repayment on schedule

(7) Cancellation of mortgage

The mortgage loan for two-room houses needs to meet the following conditions:

1. There is no loan or the loan has been settled for the two limited houses used as mortgage loans;

2. The age of the house is within the age range specified by the lending institution;

3. All materials and certificates of the house are complete;

4. The borrower has a stable income source, good credit and repayment ability;

5. Other conditions stipulated by the bank.

Fourth, can the price-limited house be mortgaged?

Hello, the price-limited house can't be mortgaged. The mortgage loan conditions of the real estate are: natural person aged 18-65 years old; Have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time; There is no illegal act; Good credit information and bad credit records; Being able to provide effective pledge guarantee of rights recognized by banks or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability; Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it; The property right of the house is clear and meets the listing and trading conditions stipulated by the state; Real estate can enter the real estate market without any other mortgage; The sum of housing age and loan application period cannot exceed 40 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; Other conditions stipulated by the bank. I hope my answer can help you.