Can I mortgage a house for housing reform If there are no such procedures, the bank will refuse to l

1. What kind of collateral can be used for bank mortgages?

Property. The first thing that can be used as collateral for bank mortgages is real estate, such as personal housing, family housing, real estate, factories, shops, etc. When using a real estate mortgage, you generally need to appraise first, and after the appraisal, you can borrow up to 780% of the appraised value.

Some netizens inquired that the house he bought in Huayi Village in May this year, when all the procedures have been completed, the bank mortgaged, and when the mortgage was made in early July, he was told that the policy had changed, saying that he wanted to build a household registration number or something for the house, saying that he could not handle the mortgage, and after a week he was notified of the mortgage, and when all the procedures were completed, he was told that the mortgage could be completed within 30 working days, and after a week or two, he was told that there was a mistake in the number and that he needed to wait, and he waited for three months.

Every time I asked the housing management office, I said: "I don't know, I don't know, we gave an exact answer, and today we said that there was a new policy yesterday, and the housing reform house is not mortgaged, why does this policy change and does not give us excessive time, so how should we deal with this house?" ”

He said, why did he give the transfer at that time? Now that I have three installments of the loan and have not yet got the house, should I give priority to solving this kind of problem? Want a clear answer?

The Municipal Housing Management Bureau replied: Due to historical reasons, some housing reform houses have not gone through land transfer procedures or even land approval procedures, and it is temporarily impossible to compile real estate unit numbers for special reasons.

According to the relevant provisions of immovable property registration, the registration of immovable property (including mortgage registration) requires preliminary data integration or title investigation, and a unique immovable property serial number can be generated before the mortgage registration can be formally accepted.

In response to this situation, the Housing Authority has held several meetings to discuss the appropriate solution to the problem, and will take the initiative to follow up on the application at that time.

The above was released on 2016-11-09, the current relevant housing purchase policy is subject to the actual situation).

Can I get a mortgage on a renovated home? The particularity of the property nature of the housing reform housing makes the housing reform housing different from the general commercial housing is the same, and the demand is careful in the procurement process. Let's take a look at whether the house can be mortgaged

1.From the information you provide, it can be seen that the nature of the property you want to process the mortgage is a remodeled property, and this type of property can process the loan normally.

2.This kind of property was previously owned by the unit, and with the spread of the real estate shopping mall, this kind of real estate entered the sequence of housing reform, from the original state ownership to private ownership, although there is no land certificate, but this kind of real estate can be used for loans in essence. Now it is similar to you, as long as you have a title deed without a land deed, there are more properties, but it does not affect the processing of such real estate loans.

3.Mortgage policy: The loan-to-value ratio is 5-6% of the appraised value of the property, the loan term is 10 years, and the loan interest rate is 10% higher than the benchmark annual interest rate.

The lender needs to provide the bank with proof of the usefulness of the loan funds when processing the loan. The bank's review of the lender's credit record (credit record) is more severe.

4.Most of the banks have already opened this type of loan business, such as Bank of China, China Everbright Bank, China Merchants Bank, Shenzhen Development Bank, Industrial and Commercial Bank of China, etc., you can consult the above banks.

Whether the house can be traded for less than five years.

There is no rule that the transaction is not allowed within 5 years, and the transaction of the housing reform can be carried out as long as it meets the following transaction conditions of the legal rules. Housing that has been paid off at the standard price or cost price and obtained a real estate certificate can be pawned and rented.

If you want to dispel suspicion, exchange, and donate housing reform, the following conditions must be met:

1. The real estate certificate has been obtained;

2. **, the house has been paid at the standard price or cost price;

3. For exchanges and gifts, the house payment has been paid at cost price;

4. The price of the common construction area has been paid;

5. The transfer fee for the use right of state-owned land has been paid in accordance with the rules.

With the liberalization of the real estate market, this kind of property has entered the sequence of housing reform, from the original state ownership to private ownership, although there is no land certificate, but this kind of property can apply for a loan in essence.

1. Have a legal identity.

2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record.

3. There is a legal and valid purchase contract.

4. If the newly purchased house is used as the maximum mortgage, it must have a legal and valid purchase contract, the age of the house is less than 10 years, and a down payment of not less than 30% of the total price of the purchased house must be prepared or paid.

5. If the bucket chain has been purchased and the housing mortgage has been handled, the original housing mortgage has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged housing, and the housing used as a mortgage has obtained the housing ownership certificate, and the age of the house is less than 10 years.

6. Able to provide effective guarantee recognized by the lending bank.

Housing Reform Housing Mortgage Process.

1. The borrower proposes the purpose, amount and term of the loan;

2. Prepare loan materials: the borrower and the mortgagor shall prepare the documents and certificates required for the loan application as required; Including: the spouse's identity destruction certificate, household registration booklet, income certificate, corresponding contract for personal consumption purposes, marital status certificate; House ownership certificate, ID card of the owner and spouse, household registration booklet, marital status certificate;

3. Appraisal of the house. The relevant institutions shall conduct on-site investigation and evaluation (survey) of the mortgaged house;

4. Loan approval: submit all loan application materials together with the appraisal report or survey opinion to the bank for approval;

6. Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and the notarial certificate of the loan contract;

7. Account opening and lending: The borrower opens a repayment account and the bank lends money to the account.

The circumstances in which a mortgage can be used for housing reform are:

1. The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage housing loans do not accept non-local collateral;

2. Real estate with an assessed present value of less than 100,000 yuan (inclusive) is not accepted as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration can be handled in accordance with the law, and there is no unfavorable realization of property rights disputes;

4. It has a strong ability to liquidate, the real estate structure is intact, the supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management and so on are complete, there are no disputes and problems, and it is not within the scope of demolition and relocation of the first plan;

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan credit term + age of the house shall not exceed 40 years in principle; If the collateral is a commercial building, the age of the house shall generally not exceed 20 years, and the loan credit term + age of the house shall not exceed 30 years in principle;

6. In principle, commercial buildings that have been idle for more than 6 months are not accepted as collateral.

In the case of China Merchants Bank, commercial housing and commercial buildings with clear property rights and strong liquidity can be accepted as collateral, and the following conditions must be met:

1. The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage housing loans do not accept non-local collateral;

2. Real estate with an assessed present value of less than 100,000 yuan (inclusive) is not accepted as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration can be handled in accordance with the law, and there is no unfavorable realization of property rights disputes;

4. It has a strong ability to liquidate, the real estate structure is intact, the supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management and so on are complete, there are no disputes and problems, and it is not within the scope of demolition and relocation of the first plan;

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan credit term + age of the house shall not exceed 40 years in principle; If the collateral is a commercial building, the age of the house shall generally not exceed 20 years, and the loan credit term + age of the house shall not exceed 30 years in principle;

6. In principle, commercial buildings that have been idle for more than 6 months are not accepted as collateral.

To find out whether your house is eligible, you need to confirm with the handling bank when you apply for a loan.

Core content: Can a mortgage be made for housing reform? The particularity of the property nature of the housing reform housing leads to the fact that the housing reform housing is different from the ordinary commercial housing, and it is necessary to be careful in the purchase process.

Can the house be renovated with a mortgage?

1.From the information you provide, it can be seen that the nature of the property you want to apply for a mortgage loan is a remodeled house, and this kind of property can be loaned normally.

2.This kind of property used to belong to the unit, with the liberalization of the real estate market, this kind of property has entered the sequence of housing reform, from the original state ownership to private ownership, although there is no land certificate, but this kind of property can apply for a loan in essence. At present, there are many properties similar to you only having property ownership certificates and no land certificates, but it does not affect the processing of such real estate loans.

3.Real estate mortgage policy: the loan ratio is 5-6% of the appraised value of the property, the loan term is 10 years, and the loan interest rate is 10% above the benchmark annual interest rate.

The borrower needs to provide the bank with proof of the purpose of the loan funds when applying for the loan. Banks are strict in reviewing the borrower's credit record (credit history).

4.Most banks have already opened this type of loan business, such as: Bank of China, China Everbright Bank, China Merchants Bank, Shenzhen Development Bank, Industrial and Commercial Bank of China, etc., you can consult the above banks.

Whether the house can be traded for less than five years.

There is no provision that the transaction is not allowed within 5 years, and the sale and purchase of the housing reform house can meet the following transaction conditions stipulated by law, and the listing of the housing reform house must meet the following conditions: the listing of the housing reform house includes five situations: exchange, gift, mortgage and rental. Housing that has been paid off at the standard price or cost price and obtained the real estate certificate can be mortgaged and rented.

If you want to **, exchange, and donate a house to renovate a house, you need to meet the following conditions:

1. The real estate certificate has been obtained;

2. **, the house has been paid at the standard price or cost price;

3. In the case of exchange or gift, the house payment has been paid at cost price;

4. The price of the common construction area has been paid;

5. The transfer fee for the use right of state-owned land has been paid in accordance with the regulations.

The circumstances in which a mortgage can be used for housing reform are:

1. The real estate used for mortgage and the loan agency must be located in the same city, and the personal mortgage loan does not accept the mortgage in other places;

2. Real estate with an assessed present value of less than 100,000 yuan (inclusive) is not accepted as collateral;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration can be handled in accordance with the law, and there is no unfavorable realization of property rights disputes;

4. It has a strong ability to liquidate, the real estate structure is intact, the supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management and so on are complete, there are no disputes and problems, and it is not within the scope of demolition and relocation of the first plan;

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan credit term + age of the house shall not exceed 40 years in principle; If the collateral is a commercial building, the age of the house shall generally not exceed 20 years, and the loan credit term + age of the house shall not exceed 30 years in principle;

6. In principle, commercial buildings that have been idle for more than 6 months are not accepted as collateral.

It is possible to apply for a mortgage. With the liberalization of the real estate market, this kind of property has entered the sequence of housing reform, from the original state ownership to private ownership, although there is no land certificate, but this kind of property can apply for a loan in essence. Although there is no property right certificate for the housing reform, it does not affect the processing of such real estate loans.

Housing Reform Housing Loan Process.

1. The borrower proposes the purpose, amount and term of the loan;

2. Prepare loan materials: the borrower and the mortgagor shall prepare the documents and certificates required for the loan application as required; Including: spouse's ID card, household registration booklet, income certificate, corresponding contract for personal consumption purposes, and marital status certificate; House ownership certificate, ID card of the owner and spouse, household registration booklet, marital status certificate;

3. Appraisal of the house. The relevant institutions shall conduct on-site investigation and evaluation (survey) of the mortgaged house;

4. Loan approval: submit all loan application materials together with the appraisal report or survey opinion to the bank for approval;

6. Mortgage registration procedures: the bank shall go to the property right office to handle the mortgage registration with the house ownership certificate and the notarial certificate of the loan contract;

7. Account opening and lending: the borrower opens a repayment account, and the bank releases the state money to the account (note: in principle, only commercial housing, housing reform housing, and housing can be used as collateral).

Precautions for buying a house and changing a house.

1. It is necessary to verify whether the original property owner has a property right certificate.

Verify whether the property right certificate of the house is reliable and whether it is used for mortgage, pawn, etc., which can be checked by the housing management department at a glance. If someone uses various excuses to explain that they can't get the original title certificate and can only give a copy, then you should be vigilant to avoid being deceived.

2. According to the regulations, under the same conditions, the original property right unit has the right of first refusal.

Therefore, the listing transaction of the housing reform house must be approved by the original property right unit before it can be resold. At the same time, it is also necessary to clarify whether the benefit distribution method is confirmed with the original property right unit. It should be particularly pointed out that the public housing of military, hospital, and school properties is generally in the same compound as the office space of the unit, and these units are generally listed as special units, and some may not be suitable for outsiders to move in, and it is impossible for such public housing to obtain listing qualifications without the consent of the unit.

Buyers should make the necessary inquiries to distinguish the real from the fake.

3. Confirm the exact area of the property right certificate.

What you should know includes the floor area, usable area, and the actual area of the house. The property right certificate generally indicates the construction area inspected by the relevant departments. Confirm whether the purchased house has a private part, if it is built by the landlord without permission, it is an illegal building and is not protected by law.