How to mortgage a property, how to mortgage a property

To mortgage the property, you need to apply for a mortgage at the housing authority with the ID cards of both borrowers and borrowers, the personal loan mortgage contract and the real estate certificate.

A mortgage on a property means that the owner of the property uses the deed as collateral to obtain a loan to pay interest on time.

The property rights of the house are still managed by the property owner, and the creditor only pays the interest on time, but does not have the right to use and manage the house.

If the debtor fails to perform its debts, the creditor has the right to dispose of the mortgaged house in accordance with the law and receive priority in the payment of the proceeds from the disposal of the mortgaged house.

The party who provides the mortgaged house is called the mortgagor, and the original creditor who accepts the mortgaged house is called the mortgagee.

The mortgagor must have full civil capacity, and a person who has no capacity for civil conduct and limited civil capacity may not create a mortgage on the house.

The matters relating to the mortgage of the property are as follows:

Property Mortgage Process:

The first step is to submit the required documents.

1. Real estate certificate or house ownership certificate, land use right certificate;

2. ID cards, household registration booklets, and marriage certificates of both husband and wife of the borrower (if you are single, you need to go to the Civil Affairs Bureau where you are located to issue a single certificate);

3. Proof of income (official seal required).

The second step is to see the property and evaluate it. Appraisal is carried out according to the location, floor, area, orientation, etc. of the collateral. Houses can generally be loaned up to 5-9% of the appraised price.

The third step is to sign the contract at the bank. After the appraisal of the house, it is also necessary to go through the property insurance procedures and the corresponding loan approval procedures, and agree to issue the loan contract and mortgage contract with the approval.

Step 4: Mortgage registration. The borrower shall go through the mortgage registration formalities with the real estate certificate and loan contract at the real estate bureau of the district or county where the property is located, and the agency fee shall be borne by the borrower.

Step 5: Loan disbursement. After the mortgage registration is completed, the bank can disburse the loan to the borrower's personal savings account.

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The main processes of a home mortgage are:

1. The borrower shall fill in the application form for residential housing mortgage before taking out the loan, and submit the following supporting materials to the bank:

1. Proof of the borrower's fixed economic income issued by the borrower's unit;

2. Credit certification documents such as business license and legal person certificate of the loan guarantor;

3. The borrower's legally valid identity certificate;

4. The relevant housing ownership certificate or the certificate of the right to dispose of the housing in accordance with the law;

5. Appraisal report, appraisal and insurance documents of the mortgaged property;

6. Contracts, agreements or other supporting documents for the purchase and construction of housing;

7. Other documents or materials required by the lending bank;

To apply for real estate mortgage, the parties need to apply to the real estate management department where the property is located for mortgage registration within 30 days after signing the mortgage contract, and submit the identity certificate of the mortgage party or the qualification certificate of the legal royal cherry blossom; Application for registration of mortgage; mortgage contracts; Documents and supporting materials that can prove that the mortgagor has the right to create a mortgage with the Certificate of State-owned Land Use Right, Certificate of Housing Ownership or Certificate of Real Estate Right; Information that can prove the value of the mortgaged real estate. The real estate registration authority will review the materials submitted by the parties and make a decision to approve the registration within 7 days after acceptance.

Legal basis: Measures for the Administration of Urban Real Estate Mortgages

Article 30 Within 30 days from the date of signing the real estate mortgage contract, the mortgage party shall go to the real estate management department where the real estate is located to register the real estate mortgage.

Article 32 The following documents shall be submitted to the registration authority for inspection for registration of real estate mortgages: (1) The identity certificate or legal person qualification certificate of the parties to the mortgage; (2) Application for mortgage registration; (3) Mortgage contracts; (4) "State-owned land use right certificate", "house ownership certificate" or "real estate right certificate", and the co-owned house must also submit the "house co-ownership certificate" and other co-owners agree to mortgage the certificate; Documents and supporting materials that can prove that the mortgagor has the right to create a mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.

Article 33 The registration authority shall examine the applicant's application. Where the ownership is clear and the supporting materials are complete, a decision on whether to register shall be made within 7 days from the date of acceptance of the registration of the first divination, and if the registration is not granted, the applicant shall be notified in writing.

Here's how to mortgage a property:

The mortgage party shall, within 30 days from the date of signing the real estate mortgage contract, go through the mortgage registration with the registration department. If the land use right is mortgaged without land fixtures, it shall be the administrative department that issues the land use certificate.

Where urban real estate or factories and other buildings of township or village enterprises are mortgaged, it is the real estate management department where the real estate is located. When registering a real estate mortgage, the following documents or copies shall be provided to the registration department:

1. Main contract and mortgage contract.

2. The qualification certificate or legal person qualification certificate of the mortgage party.

3. "State-owned Land Use Certificate" or "Housing Ownership Certificate", and the "Housing Co-ownership Certificate" and other co-owners agree to mortgage certificates must be submitted for the co-owned houses.

4. If the option house is used as collateral, a valid pre-sale and purchase contract must be submitted.

5. Valid real estate appraisal report.

6. Proof of approval by the higher authority to use real estate as collateral.

Information required for real estate mortgage processing

Mortgage of existing house and real estate mortgage contract signed by both husband and wife; Certificate of Ownership of the House; A copy of the land use right certificate shall be verified; Real Estate Appraisal Report issued by a qualified appraisal agency; bank loan contracts; The certificate of the relationship between the husband and wife and the copies of the ID cards of both parties shall be verified as the original, and if the person is single, the civil affairs department of the place where the household registration is located shall issue a certificate.

Mortgage of off-plan property, pre-sale contract for the purchase of the house; Sign a loan contract with the bank for the purchase of a house; A copy of the receipt of the advance payment for the purchase of the house shall be verified as the original; A copy of the marriage certificate of the husband and wife shall be verified, and the certificate issued by the civil affairs department of the place of household registration shall be issued for single persons; Copies of ID cards of both husband and wife shall be verified.