This article mainly explains the concept of real estate certificate mortgage loans, application conditions, application materials, as well as the timeliness and process of mortgage loans, as well as the risk prevention of real estate certificate mortgage loans. Provide consulting guidance to lenders who need to apply for home mortgage loans.
1. What is a home mortgage consumer loan:
It refers to the borrower applying for a loan from the bank using his own or a third party's property as collateral to buy a car, a house, etc. Comprehensive consumption is a credit method in which the borrower repays the principal and interest to the bank in installments or in one lump sum.
2. Lender’s conditions:
Firstly, a natural person with full capacity for civil conduct whose actual age on the loan maturity date is generally not more than 65 years old; secondly, Have a permanent residence in Beijing and a fixed residence; have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time; third, be willing and able to provide a real estate mortgage approved by the lender; fourth, have a real estate owner Recognize its borrowing and guarantee behaviors and be willing to assume relevant legal responsibilities.
3. Conditions for the mortgaged property:
The property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and be able to enter the real estate market without any other mortgage; Age (calculated from the date of completion of the house) + loan term shall not exceed 40 years; the mortgaged house is not included in the local urban reconstruction and demolition plan, and has a real estate certificate and land certificate issued by the real estate department and land management department; the owner of the mortgage can Either the borrower himself or another person. If a property owned by another person is used as a mortgage, the mortgagor must issue a written commitment agreeing to the borrower's application for a loan using the property as a mortgage, and require the signatures of the mortgagor and his or her spouse or other person with the most rights to the property.
4. Materials that the lender needs to submit:
The materials that the borrower needs to provide include: ID card, household registration book; personal income certificate (stamped with the official seal of the unit); business of the unit Copy of license (with official seal); marriage certificate; ID card and household registration book of the borrower’s spouse; house ownership certificate, original and copy of the original house purchase agreement; notarization of the mortgage and loan agreement from the house owner and the person with the most legal authority Proof of purpose. Different types of houses require different materials to be prepared, as follows:
①. Existing house mortgage
(1) Real estate mortgage contract (both husband and wife are present to sign); (2) House ownership certificate; (3) Copy of land use right certificate (original to be verified); (4) "Real Estate Evaluation Report" issued by a qualified appraisal agency; (5) Bank loan contract; (6) Proof of marital relationship and copies of both parties' ID cards (to be verified) Original), and if you are single, the certificate must be issued by the civil affairs department of the place where your household registration is located.
②. Off-plan house mortgage
(1) House purchase pre-sale contract; (2) Sign a house purchase loan contract with the bank; (3) Copy of house purchase advance payment receipt (original to be verified) ; (4) A copy of the couple's marriage certificate (original to be verified), and a certificate issued by the civil affairs department of the place where the household registration is located for singles; (subject to the actual situation)
Click to receive the house viewing red envelope, and you can receive 100 yuan in cash directly