2. The housing area should be more than 50 square meters;
3. The house must have strong liquidation conditions.
4. The loan amount of house pawn is 70% of the appraised value of the house.
5. The longest loan for new houses shall not exceed 30 years, and the longest loan for second-hand houses shall not exceed 20 years.
6. The loan interest rate shall be subject to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China.
7. Generally speaking, "house age+borrower age" means that men are under 65 years old and women are under 60 years old.
Unable to use real estate mortgage loan 1, small property right. Small property houses only have the right to use, and there is no ownership given by the real estate license. Banks naturally do not undertake pawn loans.
2. Second-hand houses that are too old and too small. Banks have strict conditions for second-hand housing pawn lending, and most of them are constrained by the age and area of the house. Generally, many banks refuse to lend second-hand houses with a house age of more than 20 years and a building area of less than 50 square meters.
3. Public housing. According to the relevant rules, public welfare equipment such as campuses, kindergartens and hospitals with public welfare intentions, whether belonging to institutions, social organizations or individuals, shall not be pawned.
4. A house with outstanding loans. Can a house that has been pawned once be pawned again? At the time of the first mortgage, the bank now has other rights to the property. The law does not allow two banks to obtain other rights of the same house. So the answer is no.
5. House demolition within the scale. Real estate that has been incorporated into the demolition scale by legal announcement shall not be pawned.
6. Some public houses. If you can't specify the purchase contract or purchase agreement, you may not be able to specify the listing certificate of the central house delivery, and you may not be able to make a pawn loan.
7. Protection and construction of cultural relics. Buildings under cultural relics protection and other buildings with important commemorative significance shall not be pawned.
8. Illegal buildings. Illegal buildings or temporary buildings cannot be used for pawn.
9. Houses with disputed ownership. Houses with disputed ownership and houses sealed up, detained, supervised or otherwise bound according to law shall not be pawned.
10, less than 5 years of affordable housing. If it is less than five years old, it is not allowed to be listed and traded, and banks cannot obtain other warrants or apply for pawn loans.
In addition, in addition to the above-mentioned properties that cannot be used as real estate pawn loans, there is also a kind of real estate that is subject to certain constraints in housing pawn loans. In other words, houses purchased under the preferential policies of the state cannot be pawned in full, and the amount of pawning is limited to the share of the disposition and income of real estate owners.
What are the conditions of the real estate mortgage loan mentioned in the above small series? Do you know more about the conditions of real estate mortgage loan?