Under normal circumstances, it is possible. After the mortgage registration, the customer gets back the house book, and the bank keeps his right certificate.
Of course, it is not excluded that individual banks or departments have managed the original real estate license of customers in order to prevent customers from going to other small loan companies for secondary mortgage.
Second, is there a mortgage property certificate and land certificate?
Yes, houses with real estate licenses can be mortgaged. \ Mortgage loan process: \ 1. After the buyer and the seller sign a house purchase contract and pay the down payment, they apply for a loan in the bank. Fill in the loan application form (if married, both husband and wife must come together, and unmarried can come alone), and the center staff will issue a loan commitment letter after examination and approval, which will serve as the basis for the buyers to handle the loan procedures. \ 2. To receive the receipt of the loan payment voucher of the loan contract with the original ID card, the required process is: acceptance counter (accepting loan application)-safe (handling insurance)-signature counter (signing loan contract)-notarization counter (handling contract notarization)-signature counter (receiving loan contract). 3. After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign a loan contract and mortgage contract with the bank with the above information, loan commitment letter, bank savings passbook and savings card to be used for repayment, and go through notarization procedures (if the buyer is married, both husband and wife must come together). If the husband and wife or one of them can't come to sign the contract in person, it is necessary to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.
Third, the Postal Savings Bank's extremely fast real estate mortgage loan can I borrow land certificates and real estate licenses for my own house?
Yes, but the following conditions must be met
First of all, the borrower should have a local permanent residence or valid residence status.
The borrower must have a legitimate occupation and stable income, and be able to repay the principal and interest of the loan due;
The borrower can provide relevant asset certificates, bank statements, tax bills, etc. ; Newly purchased houses need to provide information such as house sales contracts and purchase invoices (the original houses need to provide ownership certificates);
Mortgage residential decoration should provide housing sales contracts, purchase invoices and other information (or the original residential decoration should provide proof of housing ownership); Mortgage housing decoration should provide housing sales contracts, purchase invoices and other information.
Two, the borrower has not less than 30% of the self-raised funds (such as low wage income, more than half a year of self-owned housing, the need to provide decoration engineering construction contract or decoration property certificate; And has completed and obtained quality assurance; And the residential decoration agreement signed with the decoration enterprise approved by the competent department; Self-raised funds shall not be less than 20% of the total house price; In order to meet the needs of residential area planning, reconstruction or expansion of residential parts and improvement of residential development and construction, self-raised funds are raised.
4. My family should build their own house, with property right certificate and land use certificate. Can banks mortgage loans?
Hello!
Is the nature of your land sold or allocated?
If in doubt, please ask.