Status of mortgaged property:
The property right of the mortgaged house must be clear. If it meets the relevant conditions for listing and trading stipulated by the state, it can enter the real estate market and has not made 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 house 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.
Lender's conditions:
First of all, the actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old; Secondly, there are permanent residence and fixed residence in Beijing; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; Third, willing and able to provide real estate mortgage recognized by the lender; Fourth, the co-owners of real estate recognize their relevant borrowing and guarantee behaviors and are willing to bear relevant legal responsibilities.
Applied materials
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 real estate license bank mortgage loan.
(1) Property mortgage contract (signed by both husband and wife);
(2) Property ownership certificate;
(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;
The above is about the formalities and conditions required for mortgage loan of real estate license. After reading the above materials, I believe you should know how to use the real estate license to get a loan, right? I hope I can help you.
Application material
Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);
Identity cards of the obligee and his spouse;
Household registration books of the obligee and spouse;
Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
Income certificate (this certificate has a great influence on the success and high amount of mortgage bank loans. );
If the owner of the real estate license has minor children, please provide a birth certificate;
If the property still has a bank loan, please provide the original loan contract and the next bank statement;
In order to improve the pass rate of mortgage loan, please provide as many other family property certificates as possible (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).
Personal real estate
1, house title certificate, house purchase contract and original;
2. Original ID card and household registration book;
3. Original spouse ID card/original property co-owner ID card;
4. Marriage certificate (marriage or unmarried certificate).
Company real estate
1, house title certificate, state-owned land use right certificate, house purchase contract and original;
2. Original legal person identity certificate, legal person power of attorney and agent's ID card;
3. Copy of business license (with official seal) and copy of organization code certificate (with official seal);
4. Articles of Association, resolutions of the shareholders' meeting/resolutions of the board of directors;
Construction in progress;
1, land use certificate;
2. Construction land planning permit;
3, the construction project planning permit;
4. Construction permit;
5. Business license;
6. Pre-sale permit for commercial housing.
Handling process
1. Prepare materials, including husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or bank statement of personal account for nearly half a year.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall submit the certificate of ownership of the mortgaged property and the insurance policy or securities to the bank for safekeeping.
4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
Interest on mortgage loan of real estate license
Depending on whether the property corresponding to the real estate license used for mortgage has paid off the loan, the loan amount available is also different. If there is no loan, the borrower can get a loan of 60-70% of the appraised value of the real estate. If the mortgage property has not paid off the loan, the loan amount that can be applied for is 60-70% of the balance (appraised value-remaining loan). Therefore, after the real estate license mortgage loan expires, its corresponding interest can be calculated according to the loan amount * annual interest rate * loan period.
Under normal circumstances, the starting point of real estate mortgage payment is 5000 yuan, and the high amount shall not exceed 70% of the assessed value of mortgaged real estate. In addition, the loan term generally does not exceed 5 years, but it can be as long as 10 years. The loan interest rate shall be implemented according to the commercial loan interest rate stipulated by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis. However, the specific situation of each bank is different, so it is best to know clearly whether it is necessary to carry out real estate mortgage loans.
The above is about the relevant process of bank mortgage of real estate license, the procedures that need to be handled, and the problems that need attention. Before mortgage, you must know the relevant policies.