How to borrow money to buy a small property right house in Yanqing
1. Yanqing small property houses are not allowed to lend. If you want to borrow money, if you choose China Merchants Bank, you must accept commercial houses and commercial houses with clear property rights and strong liquidity as collateral, and you must meet the following conditions.
2. The real estate used for mortgage and the lending institution must be located in the same city, and personal mortgage loans do not accept off-site collateral; Do not accept real estate with appraised present value less than 654.38 million yuan (inclusive) as collateral; The property right certificate has been completed, the property right is clear, it is circulating in the city and can handle mortgage registration according to law, and there is no adverse situation such as property right dispute.
3. It has strong liquidity, the real estate structure is intact, and various supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management are complete, and there are no disputes and problems, which are not within the scope of demolition planned by the government; If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit term+house age is not more than 40 years in principle; Collateral is a commercial house.
4. Generally, the house age is not more than 20 years, and the loan/credit period+house age is not more than 30 years in principle; In principle, commercial housing that has been idle for more than 6 months is not accepted as collateral. Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.
How to protect your rights and interests by buying and selling small property houses in Yanqing
1. In the event of a dispute, the sales contract of Yanqing small property right house may be invalid, and there is no guarantee for the buyer to lose money to compensate for the house. Small property houses usually sign collective transfer contracts and trade after collective seal. If you want more protection, you have to ask a lawyer to do notarization.
2. No matter from the perspective of national laws, the regulations of land resources and housing management bureau prevent the sale of "small property houses". Property transfer procedures cannot be handled for small property houses, and the purchase of small property houses depends on whether there is a risk of state expropriation. Once this kind of risk exists, there will inevitably be a dispute between the ownership of individuals buying small property houses and the collective interests of township governments or village committees.
It is pointed out that the new wave of farmland entering the market caused by the "variety" of small property houses should be curbed as soon as possible, and it is suggested that the relevant departments should introduce a clean-up and rectification plan as soon as possible to clarify the relevant system of farmland circulation. The above article is about how to obtain loans for small property houses in Yanqing and how to protect their rights and interests in the sale of small property houses in Yanqing, hoping to help those in need.