Housing loans need to be mortgaged. When buying a house with a loan, you need to mortgage the purchased house to the bank, which is a personal housing mortgage loan. It can be seen that mortgage is the core of the loan, and the house purchased is collateral. Only when the bank has formal circulation ability will the bank approve the mortgage loan application.
Does a bank loan need a mortgage to buy a house?
Does a bank loan need a mortgage to buy a house? Need a mortgage; Housing mortgage loan means that the buyer submits an application for housing mortgage loan to the bank, and provides ID card, income certificate, housing sales contract, guarantee and other legal documents and other supporting documents. After passing the examination, the bank promises to grant loans to the buyer, and according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer; Real estate mortgage registration notarization, the bank will directly transfer the loan funds into the account of the selling unit within the time limit stipulated in the contract. The main problem of mortgage loan is that banks will worry that people who buy houses will take real estate licenses to handle other loans, which will cause certain losses to the interests of banks. At present, there are many small loan companies in the market that can do secondary mortgage of real estate. Generally speaking, it is the buyer who uses the remaining loan amount of the mortgaged house as collateral again. For example, if you have a suite with a value of 6.5438+0 million, then you can borrow 700,000 yuan. After you have paid it back for several years, the mortgage is only 500 thousand. At this time, the loan company can provide the owner with 200,000 two mortgage. In addition to the operation of loan companies, many companies can do it now. All you need to do is put the real estate license with them and you can lend you money. In case you can't repay the loan, your property may be sold at a low price, which will affect the interests of the bank. Therefore, in order to prevent owners from taking their own real estate licenses to make secondary mortgages or private loans, banks generally require real estate licenses to be directly mortgaged in banks, and they will not be returned to you until you pay off the loans. What should I do if I need a real estate license? Now some places need to use the real estate license, such as children entering school, but generally do not need to use the original real estate license. A copy of the production certificate is enough. If you have a certificate, you must copy what you want. But if you need to use the real estate license, you can apply to the bank and take it out. However, banks have regulations. Generally speaking, it will not take more than two days to take out the real estate license and return it to the bank on the same day. Must the real estate license be placed in the bank? Different banks have different rules. Some banks want to do real estate licenses, but some bank real estate licenses are returned to borrowers. However, both the bank and the borrower have completed the mortgage registration procedures in the registration department when applying for loans from the bank. Therefore, no matter who owns the real estate license, it is in custody. The bank and the registration department will not release the mortgage until the loan is paid off. The house in trust cannot be bought or sold or transferred. To sum up, buying a house by bank loan is a form that ordinary people will take now, but it is very strict with bank loans. Not only have a particularly good reputation, but also have the ability to repay and mortgage things. Therefore, you can consult more before the loan, so that you can know more clearly what to do later.
Do you need to mortgage the real estate license in the bank for mortgage loan?
The house property certificate is kept by the householder.
When handling mortgage loans, you should first go to the local real estate trading center to complete the certificate of other rights, and the bank can only issue loans with the certificate of other rights.
The certificate of other rights records the amount of money borrowed from the bank by the head of the household, the mortgagor and the mortgagee, the address of the real estate, the mortgage period and other information, and records it in the computer system of the real estate trading center. Therefore, even if the real estate license is placed in the head of the household, the head of the household cannot buy or sell it casually, and the bank loan must be paid off before resale.
Extended data
Procedures for handling mortgage loans
The specific procedures for property buyers to apply for real estate mortgage are as follows:
(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.
(3) The bank that signed the house purchase contract received the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it issued a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion.