2. Mortgage for faster housing: The borrower signs a house purchase loan contract in the bank with the pre-sale contract, the original and photocopy of the house advance payment receipt, and the original and photocopy of the husband and wife marriage certificate. After the bank approves the loan, the real estate license is handed over to the bank. After the repayment, the borrower went to the bank to cancel the loan and get back the real estate license.
What are the conditions of real estate mortgage loan?
1, legal identity is required;
2, need to have a stable economic income and the ability to repay the loan principal and interest, and no bad credit record;
3. Need to have a legal and effective purchase contract;
4. If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
5. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years;
6. Being able to provide effective guarantee recognized by the loan bank;
7. Other conditions stipulated by the lending bank.
8. The collateral of mortgage loan is your house;
9. You need to have a regular job to repay the loan;
10, find more commercial banks such as China Merchants Bank and Development Bank, which may have lower requirements for your income threshold;
1 1. The loan amount is 50% of the amount assessed by the bank. The appraisal is conducted by an appraisal company designated by the bank. The evaluation value is generated according to the age of your house, ancillary facilities, the degree of residential projects and other related factors. Generally, the evaluation price will be lower than the market price of the house, because banks should control risks.
Can I mortgage the property in someone else's name?
In addition to the property in my name, the property provided by the borrower in the name of others can also be recognized by the bank. However, in order to avoid legal disputes, it is necessary to obtain the consent of the owner of the house when mortgaging the property under the name of others, and at the same time issue relevant application materials for agreeing to mortgage, so that the bank can have no doubt about this. If you take your house to the bank for mortgage without the owner's consent, the bank will reject your application.