What does mortgage mean? Ask for an answer, what does a mortgage mean

There are two types of mortgage requirements: broad and narrow. A mortgage in a broad sense refers to any form of pledge (a pledge is a mortgage on movable property) and a mortgage; A mortgage in the narrow sense refers to the transfer of real estate to the name of the lender, and then the transfer of the real estate back to the borrower (mortgagor) after the loan is repaid. "Mortgage loan" has two meanings: real estate mortgage and instalment repayment.

It refers to the mortgagor transferring the property rights of the property to the mortgage beneficiary (bank) as a guarantee for repayment, and after repayment, the mortgage beneficiary transfers the property rights of the property back to the mortgagor. Specifically, a mortgage loan refers to a loan obtained from a bank by a buyer using the purchased building as collateral, and the buyer pays the bank in installments according to the repayment method and term specified in the mortgage contract; Banks charge interest at a certain interest rate.

Mortgage loans"The word ** in Guangdong, in fact, we often say"Mortgages", that is, to mortgage your assets (generally fixed assets, such as real estate, equipment, etc., or part of current assets, such as **, bonds, cars, etc.) to the bank (or guarantee company, other financial institutions), the bank according to the current valuation of the collateral you provide mortgage (recognized by the bank), according to a certain mortgage ratio (for example, the mortgage property you provide is currently worth 1 million, and the bank will follow 70% according to the newness, use and geographical location of the house) Provide a loan to you, or rather, you mortgage the house to the bank, you can borrow 700,000 yuan from the bank) to obtain a business loan from the bank. When you repay the loan in full on time, the bank will release (release the original mortgage registration) the original collateral and return it to you. ]

In order to buy a house, a car, etc., one part of the payment is adopted, and the other part is paid by a bank loan. Borrowers, the loan and interest are deducted from the salary every month. The deduction will be completed by the specified time. This type of borrowing is called a mortgage loan. ]

Mortgage meaning: It means that when borrowing from a bank, physical assets or valuable ** are used as collateral, and the bank will issue a loan according to the value of the collateral.

The mortgage beneficiary is required to repay the loan in instalments. After the loan is paid off, the bank will return the collateral. Throughout the mortgage process, if the property is mortgaged, the mortgage beneficiary always has the right to use the property.

Originally originated in Western countries, the original meaning belongs to a legal relationship in the Anglo-American balanced law system, and then introduced into the mainland real estate market from Hong Kong in the 90s of the 20th century.

In China, it has been officially called "personal purchase of commercial housing mortgage loan". Mortgage purchase means that the mortgagor transfers the property rights of the property to the mortgage beneficiary as a guarantee for repayment, and the mortgagor immediately transfers the property rights involved to the mortgagor after the loan is repaid, and in this process, the mortgagor enjoys the right to use the property.

A mortgage is not exactly the same as a mortgage, and a more appropriate interpretation of a mortgage is a purchase offered to a home buyer. Mortgage loans, where the purpose of the loan is to purchase a house (mainly a dwelling), not all loans secured by a house can be called a mortgage.

Mortgage refers to "real estate mortgage" or "housing secured loan", which generally refers to real estate and other physical assets as collateral, obtaining a bank loan and paying off the principal and interest in installments according to the signed contract, and the bank will return the collateral after the loan is repaid.

To apply for a mortgage loan, the following conditions must be met: 1. The applicant must be between the ages of 18 and 65 and have full capacity for civil conduct; 2. The borrower has paid the down payment for the purchased house; 3. The borrower has a legal and stable income and has the ability to repay the loan and interest; 4. The borrower agrees to use the purchased house and its rights as collateral for the loan; 5. If it is a second-hand house, the property rights of the purchased property must be clear, and it must meet the conditions for entering the real estate listing and trading circulation stipulated in the first place; 6. The purchased property is not within the scope of the demolition notice; 7. Other conditions required by the lending bank.

Legal basis: Article 5 of the Measures for the Administration of Urban Real Estate Mortgages Real estate mortgages shall follow the principles of voluntariness, mutual benefit, fairness and good faith. Article 9 of the Regulations on the Administration of Urban Private Housing For the purchase and sale of urban private houses, the seller shall hold the house ownership certificate and identity certificate, and the buyer shall go through the formalities with the housing management authority where the house is located with the letter of purchase of the house and the identity certificate.

A mortgage is a type of loan to buy a house or purchase, where you borrow money from a bank against the house or item you have purchased and then repay it in installments. Taking buying a house as an example, a mortgage means that when a person buys a property, he does not have enough money to pay for the entire house, so he considers taking a loan from the bank to buy a house, and then repays the loan to the bank every month until it is repaid. For example, the house ** purchased by Xiaolin is 2 million yuan, and after paying the down payment of 600,000 yuan, the remaining 1.4 million yuan is a loan from the bank, and the house is mortgaged out at the time of the loan, and the real estate developer also gets the complete house payment of 2 million.

Buying a house with a mortgage can spend tomorrow's money to live a good life today, and you can use the limited funds for other investments: from the perspective of personal investment, the general mortgage lender can invest the money from buying a house separately, such as buying a house for rent and renting a loan and reinvesting it. To put it bluntly, the loan is to borrow money from the bank, so the quality of the real estate project is very important to the bank, and the bank will not only review your personal qualifications but also review the qualifications of the developer, so that your house is naturally guaranteed.

Mortgage, the word "mortgage" is a Cantonese transliteration of the English "mortgage", pronounced àn jiē, refers to a loan method for buying a house or shopping at Nabi, using the purchased house or item as collateral to borrow from the bank, and then repay it in installments.

Another theory about the origin of the term mortgage comes from the book "Common Words Misidentification" published by China Meteorological Press in 2009 (written by Zhang Haifeng). On the fourth page of his book, the article "What does "mortgage" mean? The author argues that the word "Jie" means "mortgage" in both ancient and modern Chinese, which can be seen in some literary works.

There is such a description in the famous contemporary writer Yao Xueyin's long story "The Long Night": "A few days ago, people were cautious and the creditors were pressing, so I ran to my sister's house, and my brother-in-law begged my grandfather to tell me more than a dozen yuan, and took it back to pay back the profits." Yao Xueyin noted in the article:

Borrowing usury is called debt removal, borrowing and lending, or 'exposing' for short. "Yao Xueyin is a native of Henan, and what is written in the book is about Henan, it seems that this word has been popular in the Central Plains for a long time. So far, among the elderly in rural Henan, the difference between the meaning of the words "borrow" and "reveal" is still very clear:

"Borrowing" is "temporarily using someone else's goods or money", while "relocating" is an interest-bearing term loan secured by real estate.

A mortgage generally refers to a physical asset such as real estate as collateral.

The word "mortgage" is the Cantonese transliteration of the English "mortgage", which refers to the use of real estate and other physical assets or valuable **, deeds, etc. as collateral to obtain a bank loan and pay off the principal and interest in installments according to the contract, and the bank will return the collateral after the loan is repaid. Mortgage means that the mortgagor transfers the property rights of the mortgagor to the beneficiary of the mortgage as a guarantee for repayment, and after the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved to the mortgagor, and in the process, the mortgagor enjoys the right to use the property.

The meaning of mortgage risk.

As a type of mortgage, a mortgage is inherently risky for banks. In the first quarter of 2007, in terms of the global financial risk caused by the butterfly effect of the subprime mortgage of the United States and the country, because the mortgage financing method is partly determined by the market conditions of the housing market, when the market interest rate rises and the housing market is sluggish, the repayment ability of the lender may be affected, and the bank will face huge credit risk. When the risk accumulates to a certain extent, it is possible that one day, a huge financial risk will erupt.

In September, some commercial banks increased the mortgage down payment ratio to a certain extent, out of the risk of prevention. Mountain annihilation <>

<> mortgage means that the mortgagor transfers the property rights of the mortgage, and the beneficiary acts as a guarantor for loan repayment, and after the mortgagor pays off the loan, the beneficiary immediately transfers the property rights of the house involved to the mortgagor, and the mortgagor enjoys the right to use in the process.

Mortgage originally originated in Western countries, belongs to a legal relationship in the Anglo-American balanced law system, and then was introduced into the mainland real estate market from Hong Kong in the 90s of the 20th century.