According to the relevant provisions of the Guarantee Law of People's Republic of China (PRC), the Measures for the Administration of Urban House Ownership Registration and the Measures for the Administration of Urban Real Estate Mortgage, the conditions for house mortgage are as follows:

First, the property rights of houses are clear. If you want to apply for a mortgage loan, you must have clear property rights and be outside the scope of state-limited transactions before you can enter the real estate market.

Second, the house should not be too old. As a mortgaged house, the age of the house should not be too big (generally not more than 20 years), and the older the house, the smaller the value.

Third, the house is not in the plan.

Some information about housing mortgage loan:

I. Amount-70% of the maximum loan-120%. (The amount of bank loan obtained after free assessment according to the fax of your real estate license).

2. Interest rate-Based on the latest benchmark interest rate, the latest benchmark annual interest rate of the bank is 4.9%.

Three. Term-The term of the mortgage consumer loan is 65,438+0-3 years (monthly interest repayable), 5 years (fastest and lowest approval speed), 65,438+00 years (higher amount) and 20-30 years (depending on the age of the customer and the building age of the property).

Four. Repayment method-(1) equal principal and interest method (2) average capital method.

Verb (abbreviation of verb) Processing time-(1) Property ownership certificate in hand: 10 day-15 day (2) Property mortgage: 18 day-30 day.

Personal housing mortgage loan process:

1. loan application: the borrower proposes the purpose, amount and term of the loan;

2. Preparation of loan application materials: The borrower and the mortgagor shall prepare all the documents and certificates required to apply for a loan as required, including ID card, household registration book, house ownership certificate, income certificate, corresponding contract for personal consumption, proof of marital status, etc. If another person's house is mortgaged, provide the ID card, household registration book and house ownership certificate of the mortgagor and his spouse, and provide the written document of the owner's consent to mortgage;

3. Appraisal (or survey): relevant institutions conduct on-the-spot survey, appraisal (survey) and evaluation of mortgaged houses;

4. Loan approval: submit all loan application materials together with evaluation reports or opinions to the bank for approval;

Verb (abbreviation of verb) notarization of loan contract: the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, and then notarized by a notary;

6. Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract;

7. Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).

What are the conditions for housing mortgage loan?

The conditions of housing mortgage loan are as follows:

1. The mortgaged property and the lending institution must be in the same area;

2. There is an effective guarantee recognized by the lender;

3. Ensure that the mortgaged property has no property right disputes;

4. The mortgaged property must have good liquidity;

5. Ensure that the mortgaged property has complete facilities and does not belong to the house;

6. The term of the mortgaged property does not exceed the prescribed time limit.

Mortgage loan is a widely used loan method in commercial banks. Refers to the loan that the borrower obtains from the bank with his or a third party's property as collateral. When the borrower fails to repay the loan on time, the bank has the right to dispose of its mortgaged property and give priority to repayment, thus ensuring the recovery of the loan.

Mortgage loan includes property mortgage and pledge mortgage. Housing mortgage loan is an important form of mortgage loan. Housing mortgage loan is a kind of commercial behavior which combines the loan between buyers and commercial banks with real estate mortgage, and its manifestation is housing mortgage loan contract.

Personal property that can be used for mortgage loan is as follows:

1, real estate, including real estate and real estate (land use right rather than ownership);

2. Securities, such as treasury bills, public bonds, financial bonds, cashier's checks, bank drafts, bank acceptance bills, corporate bonds, company stocks and insurance policies;

3. Mechanical equipment, such as power equipment, transmission equipment, working machinery equipment, tools, instruments, production equipment and transportation equipment. ;

4. Current assets, such as raw materials, fuels, commodities and bills of lading;

5, private property, including private means of production and means of subsistence, such as machinery and equipment, real estate, current assets, securities, tangible assets, jewelry, etc. ;

6. Intangible assets, such as contracts, bonds, goodwill, copyrights, trademarks, patents, franchises, etc.

legal ground

"People's Republic of China (PRC) City Real Estate Management Law"

Article 47 The mortgage of real estate refers to the act that the mortgagor provides the mortgagee with debt performance guarantee with his legal real estate without transferring possession.

When the debtor fails to perform his debts, the mortgagee has the right to be paid in priority with the proceeds from auction of mortgaged real estate according to law.

What are the conditions for housing mortgage loan?

The requirements are as follows:

1. The mortgaged house should have obtained the house ownership certificate, and the mortgaged house must have clear property rights.

2. The borrower has the right of complete disposition and can register the mortgage.

3. The mortgagor must use the full value of the mortgaged house for loan mortgage.

4. The house can be legally listed and traded, which is easy to realize.

5, dilapidated houses, illegal buildings or have been included in the scope of demolition; Property rights are controversial.

6. The mortgage has been set; Has been leased to others and the property owner has not informed the lessee in accordance with the regulations, which harms the interests of the lessee.

7. It is sealed up according to law or restricted in other forms.

8, stable work

In the case of collateral as a guarantee, the bank will lower the loan threshold, but it will still require the borrower to work in the current unit for half a year, which means that he must have a stable job.

9. Have a considerable income

If the borrower applying for bank mortgage loan has considerable income, the chances of obtaining the loan will be greatly improved, because the income situation is the main basis for the bank to judge whether the borrower has the ability to repay the loan principal and interest in full and on time.

10, good credit record.

Although banks have different requirements for credit records, if the borrower's credit is perfect and the loan success rate is relatively high, it is necessary to maintain personal credit.

Extended data:

procedure

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

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 obtains the down payment from the buyer;

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).