Requirements of real estate mortgage loan for real estate;
Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage;
The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
: 1. Notes on housing mortgage loan
Housing mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for its loan and assumes joint liability. It consists of house sales contract, house mortgage agreement and house mortgage loan.
I. Housing requirements
(1) The property right of the house is clear, it meets the listing and trading conditions stipulated by the state, and it can enter the real estate market without other mortgage;
(2) The sum of the house age (calculated from the date of house completion) and the loan term shall not exceed 40 years;
(three) the mortgaged house is not included in the local urban construction and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department;
Two. Requirements of the lender
China citizens who have a fixed residence in China and a fixed residence (or valid certificate) in a local town, have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.
1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;
2. No illegal acts and bad credit records;
3. It can provide effective pledge guarantee of rights recognized by the bank, or take legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of Industrial and Commercial Bank of China, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account.
Three: What is a mortgage loan?
Housing mortgage loan refers to the behavior that the borrower takes his own property or the property of a third party as collateral. And repay the principal and interest to the bank in stages, and the income is stable. Before the bank pays off the principal and interest, it will provide the bank with its property certificate as collateral. If the buyer can't repay the principal and interest within the time limit, the bank can sell the house to offset the arrears.