In Beijing, we need to face all kinds of situations. Some people will choose to mortgage their houses to banks to get loans and solve their own financial problems. Do you know some requirements of housing mortgage loan in Beijing?
First of all, we must understand the requirements of housing mortgage in Beijing:
(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
(2) The sum of the house age (calculated from the date of house completion) and the loan period cannot exceed 40 years;
(3) Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
We should know the qualifications of Beijing applicants:
The first is to have a local fixed residence in Beijing, a certificate of permanent residence in Beijing, and full capacity for civil conduct; Secondly, we must have a legitimate occupation and a stable source of income, have the ability to repay loans, and finally have no bad illegal records, and be able to provide local real estate licenses or third-party guarantees with repayment ability.
Next, we should know the purpose of Beijing housing mortgage loan:
(1) Used for house purchase: mortgage loan refers to a loan that an individual pays a certain down payment when purchasing a house with a house title certificate, a house that can be traded in the market or a commercial house, and the rest is applied to the cooperative organization with the purchased house as collateral. Generally, the annualized interest rate of such loans is expected to rise above 10%; At the same time, the review of mortgage loans is also relatively strict. For example, buyers must meet the strict requirements of the first suite, hukou, good credit record and stable income. Generally, the bank approval time is 1-3 months.
(2) Used for business operation: for financing products mainly serving small and medium-sized enterprises or individual industrial and commercial households, borrowers can obtain loans through mortgage and other guarantee methods. The bank operating loan interest rate is higher than the mortgage loan interest rate and higher than the expected annualized interest rate of the loan benchmark 10%~30%. Bank requirements: the borrower's credit record must be good; Open a general deposit account in a loan bank; The company operates well and has real estate or other effective mortgage guarantee. It usually takes 1 to 2 months to reply.
Can a bungalow be mortgaged?
Of course. It is effective to use the house on the homestead as collateral. However, the effect of mortgage can not reach the right to use the homestead within the scope of housing occupation. Once the debtor can't pay off the debt, the creditor can only give priority to the building materials of the mortgaged house as movable property. Therefore, other guarantees can be provided. Under normal circumstances, the houses on the homestead should not be used as collateral. Article 32 of the Measures for the Administration of Urban Real Estate Mortgage shall submit the following documents to the registration authority for the registration of real estate mortgage: (1) the identity certificate or legal person qualification certificate of the mortgagor; (2) An application for mortgage registration; (3) mortgage contract; (4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.
Can a bungalow be mortgaged for a loan from a bank?
Of course. A bungalow, if the procedures are complete, can generally apply for mortgage loans. The so-called formalities mainly refer to the property right certificate of the house. However, the real estate license should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage, and the mortgaged house is not included in the local urban transformation plan. You can apply for a mortgage loan with the real estate license and land certificate issued by the real estate department and the land management department. At present, some bungalows in China only have land use certificates but no real estate certificates, so they cannot apply for mortgage loans. So whether you can apply for a mortgage loan depends on the specific situation.
legal ground
Article 394 of the Civil Code of People's Republic of China (PRC) defines mortgage as the performance of secured debt. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
Article 395 Scope of Collateral of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
Article 400th of the Civil Code of People's Republic of China (PRC) stipulates the mortgage right in the mortgage contract, and the parties shall conclude the mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.
"People's Republic of China (PRC) Civil Code" Article 419th * * * during the mortgage period, the mortgagee shall exercise the mortgage right during the limitation of the principal creditor's rights; If it is not exercised, people will not be protected.
What qualifications do you need to buy a bungalow in Beijing? What should I pay attention to?
On April 3, 20 17, Beijing Municipal Commission of Housing and Urban-Rural Development issued the Notice on Strengthening the Sales Management of Residential Bungalows on State-owned Land. Buying a residential bungalow on state-owned land requires relevant qualifications.
1. What qualifications do I need to buy a bungalow?
From April 3, 2007 to April 3, 2065438, the purchase of residential bungalows on state-owned land in Beijing (referring to quadrangles in hutongs, private bungalows in courtyards, and bungalows on non-rural collective land) must have the same qualifications as the purchase of commercial houses, and the service life is 70 years. Residential bungalows sold to households must meet one of the following conditions:
1. Houseless families with household registration in Beijing (including families of active servicemen and armed police stationed in Beijing, families with valid work residence permits in Beijing) or single people.
2. Families in Beijing who already own 1 apartment.
3. Non-Beijing resident families who have no housing in Beijing and have paid social insurance or personal income tax in Beijing for more than 5 years (inclusive).
2065438+Newly purchased residential bungalows under the name of residents' families since April 3, 2007 will be included in the number of housing units under the name of families when verifying the qualification for purchasing houses. The number of residential bungalows is subject to the number of real estate warrants.
Second, what should I pay attention to when buying a bungalow?
1. The bungalow must be surveyed by the Housing Surveying and Mapping Institute before the transaction, and the surveyed area shall prevail when the transaction is made.
Before surveying and mapping, the owner needs to bring the real estate license to the house surveying and mapping office to apply, and the surveying and mapping page issued by the house surveying and mapping office must be carried with the online sign transfer. If there is a mapping page on the original title certificate, then the new mapping result must be completely consistent with it, otherwise the transfer cannot be carried out.
2. If the bungalow cannot be loaned, it must be paid in full, and the bungalow cannot be used as a mortgage to borrow from the bank.
3. The corridor of the bungalow will be recorded on the property certificate.
According to the Notice on Strengthening the Administration of Surveying, Mapping, Trading and Real Estate Registration of Residential Bungalows on State-owned Land:
(1) If a residential bungalow is newly built, rebuilt or divided or merged by the same obligee to apply for real estate registration, in addition to other materials, it shall also submit the results of real estate surveying and mapping audited by the housing management department.
(2) The residential bungalow shall not be divided into multiple rooms without authorization. From April 20 17 10, the corridor will be marked as "access" in the information table of housing stock verification, and recorded in the supplementary column of property right certificate.
4. Special-shaped houses such as bungalows and corridors shall implement the "three noes" policy.
You can't transfer to another school alone, you can't settle down, and you can't become an admission qualification. The registered property should be a residential building, and it can actually live, and it should also actually live.
Source: Notice on Strengthening the Sales Management of Residential Bungalows on State-owned Land
Notice on strengthening the management of surveying and mapping, trading and real estate registration of residential bungalows on state-owned land
This content is only applicable to Beijing.
Hello, can you make a mortgage loan for Beijing Fangping Private Property Independent College?
If it is not a small property right, there is a house to borrow. It depends on how the bank examines it. The loan term is different, so is the interest rate. If you still don't know anything, you can contact me with your user name. I hope I can give a satisfactory answer, thank you.
Can a bungalow be loaned?
Question 1: Can a bungalow with real estate license be purchased by mortgage loan? 1. If it is a formal real estate license and land certificate, you can apply for a mortgage loan.
2. You can go to the real estate department and the land department to check with the seller.
Question 2: Can a bungalow be mortgaged? In principle, a complete title certificate is enough. But whether a bungalow can be loaned depends on the location, age and housing conditions of your house. To put it bluntly, the bank thinks your house is worthless. Even if you have the property right certificate, if the bank fails to pass the examination, you still can't get the loan. You can ask the bank if you can get the loan. If you can get a loan, you can only get a loan of 650 for a house worth 30 thousand.
Question 3: Can I get a loan to buy a rural bungalow? If it weren't for agricultural registered permanent residence, according to the national policy, you wouldn't be able to buy a house in the countryside, let alone get a loan.
If you buy a house in the countryside, you can't get a loan and you can't go through any real estate formalities. Once you do this, your legitimate rights and interests will not be protected. So, I suggest you think it over.
You can consult the local land or real estate management department or local law firm for details.
Question 4: Can the house property certificate of bungalow be loaned? Which bank can accept this business? Hello, we haven't launched this kind of loan mutual assistance service, please pay attention later. If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support!
Question 5: Can I get a loan from the bank if I live in a bungalow? Yes, but you have to issue a real estate license or something, and the bank depends on the main purpose of the funds. Buying a house with a loan should not be a problem.
And if there is a provident fund, it is more appropriate to take a provident fund loan, and the interest rate is still low.
If you want to ask about the provident fund, you should go to the provident fund performance center. Call 1 14 to check the phone number.
Question 6: Can a bungalow be loaned? Only properties that can be listed and traded can be mortgaged.
House mortgage:
Application conditions:
1, nature of the house; Houses, office buildings, villas, commercial houses, houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.
2. The mortgagor (normal age 18-65 years old) is in good health.
3. The Mortgagor has not participated in the credit investigation in recent 24 months.
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). )
5, the actual use of funds is clear.
Prepare information:
1, original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required).
2. Proof and copy of the borrower's marital status
3. Proof and photocopy of family property and car ownership, and other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate).
4. Statement of personal main bank account from June to1February (with official bank seal)
5, work unit income certificate
6. Proof materials such as family private lending articles.
7. Evaluation report
Question 7: Can a bungalow be loaned? China Merchants Bank must meet the following conditions if it accepts commercial housing with clear property rights and strong liquidity as collateral:
1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;
2. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;
3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;
4, with strong liquidity, the real estate structure is intact, water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services are complete, there are no problems and defects, which are not within the planning scope;
5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 30 years in principle;
6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.
Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.
Question 8: Can I get a loan for a photo of a bungalow? As long as you have a real estate license, you can borrow money.
Question 9: Can bungalows in Beijing be mortgaged? Not because of the length of the mortgage loan: the length of the mortgage loan cannot exceed 47 years, and the average bungalow is basically more than 30 years. There is also because of the expansion of bungalows, the specific location and area are difficult to determine!
Question 10: Is there a bungalow title certificate for mortgage loan? I have a bungalow title certificate, but as long as I meet the conditions for mortgage loan, I can borrow money:
Because the real estate license loan is not divided into bungalows, buildings and elevators, as long as it belongs to the real estate license handled by the state and meets the real estate loan procedures, it can be loaned.
Because the real estate loan needs to be evaluated in the loan room, the bank calculates the loan at a discount according to the evaluation price.
The introduction of Beijing bungalow loan ends here.