What are the conditions for real estate projects under construction to be pawned?

l Information to be submitted for mortgage registration of construction in progress:

1. Real estate certificate (or land use right certificate);

2. Construction land approval letter, construction land planning permit, construction project planning permit, land use red line map, land price payment voucher (certificate of land price calculation unit);

3. Real estate appraisal report;

4. The floor plan of the mortgaged real estate of the completed part of the project under construction;

5. The letter of guarantee for the priority payment of land premium shall be submitted for the allocation of land and collective land, and the real estate belonging to the village collective land shall be submitted to the certificate of consent of the village committee for mortgage;

6. The document of approval of the mortgage by the municipal ** or the Land and Resources Bureau;

7. If the mortgagor is a joint venture, limited liability company or joint-stock company, the certificate of approval of the mortgage by the board of directors or the general meeting of shareholders shall be submitted;

8. If the mortgagor is a state-owned or state-controlled or collective enterprise, it must submit a certificate of consent to the mortgage from the competent department at a higher level;

9. The identity certificate or legal person certificate of the parties to the mortgage;

1) Individuals: ID card, military (police) officer card;

2) Enterprise: a copy of the business license and a copy of the ID card of the legal representative, and the business license of the overseas enterprise needs to be certified or notarized;

3) Administrative institutions: legal person ** certificate and copy of the legal representative's ID card;

After the above information is complete, the pawn amount will be negotiated with the relevant pawnshop, and the pawnshop will send relevant personnel to conduct information and on-site inspection and verification, before entering the pawn procedure.

Under normal circumstances, pawnshops have very low qualification requirements for borrowers, and it can be said that there are not too many requirements, as long as there are pawns, they can be used for pawns. Many friends will have questions, how does a pawnshop control the risk with such low requirements?

Everyone should understand that pawn is different from mortgage. A house mortgage only temporarily vests the ownership of the house into the loan structure, while a house pawn gives the ownership and the right to proceed from the house to the pawn shop. Because of this, the requirements for a house pawn are different from those for a house mortgage.

The house pawn requires that the owner of the house needs to be the pawnbroker who applied for the pawn, and it can also be the person who authorized the pawn of the house. If the pawn does not have the right to the house and does not have the authorization of the owner of the house, and uses the house as a pawn, this act is invalid.

Secondly, in addition to owning the house, the pawnshop acquires the right to the house, mainly for the right to income. The pawnshop acquires the pawned house mainly for the purpose of obtaining a profit from the house during the pawn period. Therefore, some pawnshops also require that the pawn's house be uninhabited.

Therefore, the requirements for house pawn are not high, but it is still necessary to remind everyone that if you can apply for a house mortgage from the bank, it is best not to choose a house pawn, because the interest of the pawnshop is also relatively high, and when the borrower is in a hurry to solve the financial problem, he should also take into account the problem of later repayment.

1. The scope of real estate pawns.

Residences, affordable houses, cost-price residences (including central production houses), houses that have been relocated from dangerous reforms, commercial houses, villas, offices, shops and business buildings, factories, land, etc. under the names of individuals and enterprises that have obtained real estate certificates.

2. Materials required for real estate pawn.

a) Personal real estate.

1. The original house ownership certificate, purchase contract and invoice;

2. Original ID card and household registration booklet.

3. The original ID card of the spouse and the original ID card of the co-owner of the real estate.

4. Marriage certificate (marriage or unmarried certificate).

2) Enterprise real estate.

1. Housing property right certificate, state-owned land use right certificate, house purchase contract and original invoice.

2. The identity certificate of the enterprise legal person, the power of attorney of the legal person, and the identity card of the person in charge are as the original.

3. A copy of the business license of the enterprise (with the official seal) and the ** certificate of the enterprise organization (with the official seal).

4. Articles of Association, Resolutions of the Shareholders' Meeting and Resolutions of the Board of Directors.

3) Construction in progress.

1. Land use certificate.

2. Construction land planning permit.

3. Construction project planning permit.

4. Construction permit for construction projects.

5. Business license.

6. Commercial housing pre-sale license.

The procedures for pawning a car are as follows:1. If you find a well-known pawnshop and Shanghai Taiyouhui pawnshop on the Internet, you must first call ** consultation; After explaining the situation, the customer service asked me to take all the information to their store for processing; 2.

There are two aspects to the materials that need to be prepared. Leakage in the stool.

1. Identity information of the owner: ID card, temporary residence permit (non-Shanghai car owner), personal bank credit, real estate certificate, original certificate of enterprise organization (including IC card), copy of business license, legal person ID card, etc.

For non-driving applications; There is also certification information on the sale of bad vehicles.

Vehicles under the name of individuals and legal persons require a motor vehicle registration certificate, a vehicle driving license, a vehicle insurance policy, and a vehicle key.

3.When the materials are ready, I will go to the door.

In addition to the Shanghai headquarters, Taiyou Club also has three stores: Daning, Qibao and Pudong.

Because I was applying for a vehicle mortgage, I chose Pudong, which is relatively close; 4.After arriving at the Taiyouhui store, they will arrange a one-on-one service reception with the account manager.

After I explained the situation, I submitted the corresponding information and waited for their confirmation; 5.The account manager presented what their business entailed.

I chose not to mortgage the car.

If not, the interest cost is generally in between.

There is no service fee, no appraisal fee, the current loan can be borrowed and repaid at any time, the interest can be calculated on a daily basis, and the maturity can be extended.

6.After confirmation, I started drafting the contract.

After negotiation, I signed the mortgage contract and received the pawn voucher; Then, the Taiwanese friend will give me the money, and it takes less than 30 minutes to handle the business, which is very efficient.

1. What is a real estate pawn.

Real estate pawn is a unique circulation method of real estate rights, which refers to the act of the real estate rights holder pawn transferring the rights of the real estate owned by the pawn to another pawn at a certain price within a certain period of time. The right to set up a real estate estate is the ownership of the house. When the pawn is set up, the pawn can occupy and use the house; It is also possible not to occupy or use the house in an act, but to have the right to rent out the house or transfer the right to the house.

When setting up a pawn, the pawn period should generally be specified, and the pawn should return the pawn price and the corresponding interest at the end of the pawn period to redeem the pawned house from the agreement, or the two parties may agree that the pawn bearer will make up the difference in the pawn house and actually obtain the ownership of the house. Housing pawn refers to the legal act of paying a certain amount of pawn money, taking possession of the pawn house, and using and earning profits, and when the pawn period expires, the pawn shall repay the pawn money to redeem the house of the hungry pawn.

2. What are the operating procedures of real estate pawnsThe operating procedures of real estate pawns should include the following aspects:

1. Check the real estate property right certificate. The relevant rights documents to be submitted to the pawnshop for pawn real estate: house ownership certificate, state-owned land use right certificate, house purchase invoice, deed tax certificate, ID card of the resident over the age of 18 on the household register of the house owner and the certificate of consent to pawn, and the identity certificate of the husband and wife of the house owner.

2. On-site investigation. Go to the location of the house to inspect the new and old houses, orientation, room type, etc., and check them with the records on the house ownership certificate and the state-owned land use right certificate to verify the authenticity of the house owner and the place of residence.

3. Valuation. Valuation is carried out according to a combination of factors such as the newness of the house, the location of the area, the market value of the same category, etc., or the appraisal is carried out by a professional real estate appraisal firm to determine the current value of the house.

4. Determine the pawn and comprehensive rates. The relative term of the house pawn is long, and the determination of the discount ratio, interest rate, and rate standard should be fully negotiated with the pawnbroker.

5. Sign a real estate pawn contract. If the pawn is handled in the form of mortgage, the main contract (loan contract or pawn note) and the mortgage contract must be signed.

6. Registration. After the mortgage contract is signed, it is necessary to go to the real estate registration department to register other rights and obtain a certificate of defense for other rights.

7. Collect and store certificates and issue pawn money. Other warrants and related materials shall be kept by the pawnshop, and the company shall pay the pawn fee after obtaining the other warrants.

8. Cancellation of repayment registration. After the borrower pays off the principal and interest and expenses of the pawn money, both parties shall cancel the registration of other rights with the real estate mortgage registration department, and return the original certificate to the pawn himself. Pawning real estate is also risky to the owner itself, which is related to the issue of settlement, everyone should be very cautious, and it is best to consult a senior real estate lawyer before pawning.

The lawyer will carefully analyze your situation, help you review the content of the contract before signing the pawn contract, and then propose a modification plan to avoid the risks brought by real estate pawn for you and prevent problems before they occur.

Hello, required documents: Private property (personal property rights): real estate certificate, land certificate, purchase contract, purchase invoice, property owner and husband and wife:

ID card, household registration book and marriage certificate, (or provide divorce certificate, divorce agreement, single certificate), property statement for the last month, and proof of the second residence. Public property (company or enterprise property rights) Enterprise business license, organization certificate, tax registration certificate, articles of association, company introduction, legal person ID card, legal person identity certificate, client ID card, power of attorney, resolution of the shareholders' meeting or board of directors, real estate certificate, house purchase contract, house purchase invoice, land transfer invoice, land transfer contract, land price verification letter, land certificate and other five certificates. Process:

On-site assessment, contract signing, house mortgage, notarization, loan. Interest: The pawnshop's interest is charged on a monthly basis, with a maximum contract of 6 months, which can be renewed, ranging from month to month.

Loan time: Because the nature of the pawnshop is different from the bank, so in the customer qualification assessment will be much more lenient than the bank, colleagues bring the advantage of fast lending, the fastest case of 1 working day to disburse, the slowest will not exceed 15 working days.

Clause.

1. The pawn must be the person who has the title to the house or is authorized to pawn the house. If the pawn has neither the ownership of the house nor the authorization of the owner of the house, he has no right to pawn the house, and if it has been pawned, the pawn act is invalid.

Second, the parties must have the capacity to act. The house is an important means of livelihood for citizens, and pawning the house is an important disposition of the house by the citizen, and the person who commits such an act must have the capacity for civil conduct and can complete the pawn of the house with his own behavior. Minors with limited capacity and incapacitated persons cannot complete the pawn act, so they cannot act as the subject of the legal relationship of house pawn.

Clause. 3. The two parties to the house pawn must voluntarily establish a pawn relationship. This requires that the parties' expressions of intent must be genuine. A pawn relationship formed by deception or coercion is an invalid civil act.

Clause. 4. Housing pawns must not be used to circumvent national laws and harm national interests or the legitimate rights and interests of others.

In general, the process of real estate pawning includes verification, viewing, valuation, signing of agreements, notarization, mortgage registration, loan issuance, repayment of principal and interest, cancellation of registration and other links.

The pawnbroker must hand over all the information of the property, such as the real estate ownership certificate, land use certificate, deed tax certificate, purchase invoice, ID card of the property owner (co-owner), and household registration book to the pawnshop for review and safekeeping, and the pawnshop will inspect the house on the spot and determine the pawn ** through negotiation between the two parties, sign the real estate pawn loan contract and the real estate mortgage contract, handle the notarization, and after completing the mortgage registration procedures and obtaining other warrants, the pawnshop can issue the real estate pawn loan to the pawnbroker. If everything goes well, all the above procedures can be completed within a few working days, such as Hangzhou Guoxin Pawn Bank requires that the above procedures must be completed within 7 working days, that is to say, the pawnbroker can get a real estate pawn loan within 7 days, which is very convenient.

When handling the real estate pawn, the pawnbroker should pay attention to the mortgaged, seized, and demolished real estate that cannot be pawned; After the pawn loan expires, the pawnbroker should go through the procedures for renewing or repaying the loan in a timely manner to avoid unnecessary losses; After repaying the loan, the pawnbroker should ask the pawnshop to cancel the mortgage registration in time and get back all the property information to protect his rights and interests.