What are the conditions for mortgaging a house to a guarantee company?

I. Conditions to be met in mortgaging the house to the guarantee company 1. 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; 2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years; 3. 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; The Lender requires that all China citizens who have permanent residence in China, permanent residence in local towns (or valid certificates), have full capacity for civil conduct and meet the following conditions can 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. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability; 4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account; 5. Other conditions stipulated by the bank. Second, the process of mortgage of real estate to the guarantee company 1. Apply to banks and other financial institutions for the borrower's pre-loan consultation: fill in the Application for Residential Housing Mortgage and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; A legally binding identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. The bank examines the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it. 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. 2 loan settlement, including normal settlement and early settlement. (1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); (2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate. 3. Borrowers can apply for real estate mortgage from peer-to-peer lending service platform, and apply for loans from peer-to-peer lending service platform, which is much faster than banks and other financial institutions. The emergence of "excellent home loan" of Qianbang Capital provides a new channel for borrowers to raise funds quickly. Except notarization mortgage, the examination and final lending are much faster than those of banks, and the required funds can be obtained as soon as possible on the same day, greatly alleviating the urgent need of borrowers for "urgent money". 4. Operation process: 1. Apply for a loan. 2. Check the customer information. 3. Match the lender. 4. Apply for notarization mortgage. 5. Other documents will be released on the same day. 3. The mortgage interest rate of the house to the guarantee company varies from bank to bank, with a difference of 10%. For example, in most banks, including Agricultural Bank, China Merchants Bank and Minsheng Bank, the mortgage interest rate has to rise by 10%, and the mortgage interest rate is 70% of the real estate valuation. Only the Bank of China can lend at the benchmark interest rate. Banks stipulate that loans can only be used for large-scale consumption such as business expansion, decoration, study abroad or tourism, and cannot be used for high-risk investments such as buying a house, stock trading and starting a business.