Some pawnshops do a second mortgage on real estate, how to do it?

The second mortgage of personal housing is a top-up loan service provided by Bank of China to borrowers who have obtained housing mortgage loans from Bank of China. After repaying a certain amount of loan principal and interest, if you need funds for personal consumption or business for a while, you can use the difference between the mortgage value of the house and the original loan balance as collateral to apply for a loan from our bank again.

Loan object: The borrower must be a customer of Bank of China's first-hand mortgage loan, have no interest arrears, have stable income, good credit, have the ability to repay the principal and interest of the loan on time, and have repaid the principal and interest on time for more than two years.

The house used for mortgage must meet the following conditions at the same time:

1.The houses used for the second mortgage should be high-quality housing and commercial buildings with great market development potential;

2.The home used for a second mortgage on a personal home must be an existing home;

3.The house is a first-hand house purchased with a mortgage loan from the Bank of China;

4.The mortgage registration has been completed and our bank is the mortgagee of the house;

5.The house has been insured, and the original insurance policy is managed by Bank of China;

6.The house is located in a superior location, with convenient transportation and complete supporting facilities, and has great potential for appreciation.

Loan currency: The loan currency of the second mortgage is determined according to the specific purpose of the loan, and in principle, it is the same as the currency of the original home mortgage. Borrowers applying for foreign currency loans must have foreign currency repayments**.

Loan Limit: 1Loan amount = house value * mortgage ratio - principal balance of the original loan.

2.The value of the house is the lower of the original purchase price of the house and the appraised value at the time of the second mortgage. The mortgage ratio of the second loan with housing mortgage shall not exceed 70%; The mortgage ratio of a second loan mortgaged by a commercial property shall not exceed 50%.

Loan term: The term of the second mortgage is determined according to the specific purpose of the loan, and the maximum period for personal consumption loans is not more than 5 years, and the maximum period for personal business loans is not more than 3 years, and the maturity date of the loan does not exceed the maturity date of the first mortgage.

Loan interest rate: Implement the interest rate of commercial loans of the same grade as stipulated by the People's Bank of China. Foreign currency loans shall be subject to the interest rate of the same grade as stipulated by the Bank of China.

If the term of the loan is less than one year, the interest shall be calculated according to the original contract interest rate in case of adjustment of the statutory interest rate; If the loan term is more than one year, the new interest rate will be implemented on January 1 of the following year in case of statutory interest rate adjustment.

Pawnshops do this on suspicion of credit loans.

Summary. A pawnshop can mortgage a house.

A pawnshop can mortgage a house.

OK. The owner who goes through the registration procedures for the pawn of the house must bring the original valid certificate of the original house, the owner's valid ID card, household registration book and written certification materials, and apply for pawn registration at the pawnshop. Bond Liquid Reputation.

Legal basis: Article 394 of the Civil Code of the People's Republic of China Where the debtor or a third party mortgages the property to the creditor without transferring the possession of the property in order to guarantee the performance of the debt, and the debtor fails to perform the due debt or the mortgage is realized as agreed by the parties, the debtor who has omitted the creditor's right has the right to be repaid in priority for the property. The debtor or third party provided for in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides security for Wang Xian is the mortgaged property.

Article 395:The following property that the debtor or a third party has the right to dispose of may be mortgaged: (1) buildings and other land attachments; (B) the right to use construction land; (3) the right to use maritime space; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships, and aircraft under construction; (6) means of transportation; (7) Other property that is not prohibited by laws or administrative regulations from being mortgaged. The mortgagor may mortgage the property listed in the preceding paragraph.

Article 400 To establish a mortgage right, the parties shall conclude a mortgage contract in written form. The mortgage contract generally includes the following clauses: (1) the type and amount of the secured claim; (2) the time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) Scope of guarantee.

Article 419:The mortgagee shall exercise the mortgage right within the limitation period for the principal creditor's right; Where the return to the tomb is not exercised, the people's courts will not protect it.

Can the elderly of 71 take a mortgage on the house, it needs to be the homeowner himself.

And then it's voluntary.

OK. It's my own volition, three rooms with three floors, it's a façade room, how to consult, you are there.

We are cooperating lawyers.

If you want to mortgage your house, you have to go to the bank.

Pawn, the bank is overaged.

You will need to contact your local pawn shop.

We are the pro in charge of consulting.

Summary. Hello, Legal Analysis: Can a Pawnshop Mortgage a House:

Yes, the pawnshop can mortgage the property, and the information required for the house pawn is as follows: 1. Two certificates of real estate, namely real estate certificate and land certificate. 2. ID card, household registration booklet, marriage certificate.

Note: If there are two certificates of real estate, if there is a co-owner, the consent of the co-owner must be obtained and the co-ownership certificate must be provided. Proof of Marriage:

If married, provide proof of the marriage of both spouses; If you are single, you need to go to the Civil Affairs Bureau to issue a single certificate; If the divorce is not remarried, the divorce certificate and the unmarried certificate shall be provided. The right to a house may be "fixed for a period of time or for no fixed period." If the pawn does not pay the pawn money to redeem the house within the time limit, the house will be owned by the pawn.

If there is no prescribed time limit, the person who issued the pawn may redeem it at any time. The holder of the pawn right transfers the pawn right to another person during the pawn period, which is called the transfer of pawn. The transfer must be within the original period, otherwise it is meaningless.

If the pawn stipulates in the contract that the pawn is not allowed to transfer the pawn, the pawn has no right to transfer the pawn. When the property owner pawns the house, he must fill out the deed to clarify the rights and obligations of both parties.

Hello, legal analysis: can a pawnshop mortgage a house: yes, a pawnshop can mortgage a property, and the information required for the source of the house pawnshop is as follows:

1. Two real estate certificates, namely real estate certificate and land certificate. 2. ID card, household registration booklet, marriage certificate. Notes:

If there is a co-owner, the consent of the co-owner must be obtained and the co-ownership certificate must be provided. Marriage Certificate: If you are married, provide a marriage certificate for both husband and wife; If you are single, you need to go to the Civil Affairs Bureau to issue a single certificate; If the divorce is not remarried, the divorce certificate and the unmarried certificate shall be provided.

The right to a house may be "fixed for a period of time or for no fixed period." If the pawn does not pay the pawn money to redeem the house within the time limit, the house will not be owned by the pawn. If there is no prescribed time limit, the person who issued the pawn may redeem it at any time.

The holder of the pawn right transfers the pawn right to another person during the pawn period, which is called the transfer of pawn. The transfer must be within the period of the original canon, otherwise it is meaningless. If the pawn stipulates in the contract that the pawn is not allowed to transfer the pawn, the pawn has no right to transfer the pawn.

When the property owner pawns the house, he must fill out the deed to clarify the rights and obligations of both parties.

Legal basis: "Measures for the Administration of Pawnbroking" Article 25 Upon approval, pawnshops may operate the following businesses: (1) Movable property pledge pawn business; (2) Pledge and pawn business of property rights; (3) Real estate (except for real estate in other provinces, autonomous regions, and municipalities directly under the Central Government, or projects under construction that have not obtained a pre-sale license for commercial housing) mortgage pawn business; (4) the sale of absolute items within the quota; (5) Appraisal, assessment and consulting services; (6) Other pawnbroking businesses approved by the Ministry of Commerce in accordance with law.