What are the requirements for a mortgage? What are the conditions for a mortgage on a mortgage?

1.ID card and household registration book of the borrower and his/her spouse; (Used to judge age access and judicial involvement) 2Marriage certificate (used to determine whether the ownership of the mortgage is clear);

3.Title certificate (for evaluation, judging type, age, area access);

4.A copy of the company's business license (used to judge the type of experience, the number of years, the judiciary, relevant access, etc.) );

5.Other property of the borrower's family, (proof of assets and whether there is other domicile) 6Proof of use of office premises (e.g. title deed, lease contract, etc.) );

7.The borrower's and spouse's personal and corporate account statements in the past six months (proof of business conditions and liquidity);

8.upstream and downstream contracts (2 copies each, the other party is not an affiliated company);

9.Official seals, legal persons, etc.;

10.Tripartite payment contracts;

11.The front and back of the payee's ID card in the payment contract**;

12.Front and back of the beneficiary's bank card**;

The conditions for a home mortgage are as follows:

1. The actual age of a natural person with full capacity for civil conduct at the maturity date of the loan is generally not more than 65 years old;

2. Have a permanent residence and a fixed residence; Have a proper job and a stable income**, and have the ability to repay the principal and interest of the loan on time;

3. Willing and able to provide mortgage on the property approved by the lender;

4. The co-owners of the real estate agree to the relevant borrowing and guarantee behaviors and are willing to bear the relevant legal responsibilities.

Legal basis] Article 19 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that if the real estate is mortgaged by a common property, the mortgagor shall obtain the written consent of the other co-owners in advance.

Coordinates Beijing, Langfang, Sanhe, Dachang, Xianghe, Yanjiao. The mortgage credit term is 1-20 years, different bank products, different credit terms, annualized interest: repayment method: interest first and principal later, equal principal and interest.

Basic materials and process formalities:

Full payment room: prepare personal credit information, married need to provide credit information for both husband and wife. After reading the credit information matching, the appropriate loan bank and loan type. Avoid indiscriminate applications that affect credit reporting.

Submit the application materials to the bank: ID card, household registration book, marriage certificate (divorce certificate and divorce agreement are required for divorce), house book, bank statement, work certificate, if it is an operating loan, you also need to provide a business license, and open a bank card of the bank applying for a loan as a repayment account.

Sign in person with the bank and wait for the bank's approval.

After the approval is passed, the bank loan contract is taken and the mortgage registration is handled at the real estate where the property is located.

After the bank obtains other warrants, the bank disburses the loan.

Real estate with final payment: After the bank has successfully signed and approved, you need to settle the previous final payment, get the other warrants and loan settlement certificates of the previous loan bank, and take the house book to the real estate registration center where the property is located to cancel the mortgage registration. After the cancellation of the mortgage is completed, the newly applied bank loan contract shall be obtained for mortgage registration.

Other processes are basically the same.

Handling of second mortgage: There is no need to settle the existing balance payment, and the second mortgage can be handled directly after obtaining the loan contract of the applied bank.

It should be noted that you need to understand which bank loan product is more suitable for you, and do not apply blindly.

Conditions that need to be met to mortgage the property:

1 The property used for mortgage and the loan agency must be located in the same city, and personal consumption loans do not accept non-local collateral. If the collateral is a commercial building, it must also meet the corresponding requirements for the collateral of the personal commercial housing loan;

2. 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 property right dispute and other adverse realization;

3. It has a strong ability to liquidate, the real estate structure is intact, and the supporting facilities and services such as water, electricity, environmental protection and 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;

4. Mortgages are not accepted for properties with an assessed present value of less than 100,000 yuan (inclusive);

5. In principle, mortgages are not accepted for properties with an age of more than 20 years (inclusive) (referring to the number of years the property has been completed);

6 The collateral must be appraised by a professional appraisal agency recognized by the Bank.

7 Other conditions stipulated by the Bank.

The real estate has a real estate certificate or real estate certificate + land use certificate, the property rights are clear, the age of the house is less than 20 years, the maximum is not more than 30 years, the area is more than 40 square meters, the age and area of the house are different in various regions and banks, and a certificate is a must; Applicants between the ages of 18 and 65, with a stable job and bank statements, and good credit can apply for a real estate mortgage, and the amount is generally 4 to 8 percent of the current appraisal value of the property.

1. The borrower is between the ages of 18 and 55, 2. The borrower has a stable and legal income**.

3. The mortgaged property has a real estate certificate, the property rights are clear, and it can be listed and circulated;

4. The general mortgage loan amount is 50 70% of the property appraisal ** (some banks may increase);

5. The term of the mortgage loan is generally 1 year to 10 years;

6. The age of the house is within 20 years (a few banks can do it within 30 years, and most of them have spare houses that are easier to approve);

7. There is a certain amount of repayment** (the valid proof is mainly bank statement, at least the monthly effective income is greater than 2 times the monthly repayment of the mortgage loan.)

If you have a mortgage on your house, then you only need your real estate certificate to go to the bank to apply for a loan, I hope it can help you.

You have real estate in your name or in your spouse's name. Be between the ages of 18 and 65. Both consumption and business can be applied.

1.The house has a certain amount of value.

2.The property rights of the house are clear, and the customer has the complete property rights of the house.

3.If there is a co-owner of the property, the customer must also obtain a written copy from the co-owner.

1. Valid ID card and household registration book of the borrower; 2. Proof of marital status, unmarried person needs to provide unmarried certificate, divorced person needs to issue court civil mediation letter or divorce certificate (indicating whether the deceased has real estate in his name); 3. If you are married, you need to provide your spouse's valid ID card, household register, marriage certificate and proof of relationship with your spouse; 4. Proof of the borrower's income (salary income certificate or tax payment certificate for half a year); 5. The real estate certificate of the house (existing house); 6. Certificate of property rights of the mortgaged house. 2. Application process: The applicant shall apply to the housing loan department of the bank, fill in the "Personal Housing Loan Application Form", and submit the required materials.

1. What are the conditions for mortgage loans?

1. The conditions required for mortgage loans are as follows:

1) Be at least 18 years old and have legal status;

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) Have a legal and valid purchase contract;

4) Able to provide effective guarantee recognized by the lending bank;

5) Meet other conditions stipulated by the lending bank.

2. Legal basis: Article 47 of the Law of the People's Republic of China on the Administration of Urban Real Estate.

Real estate mortgage refers to the act of the mortgagor providing the mortgagee with a guarantee for the performance of debts in a way that does not transfer possession of its lawful real estate. When the debtor fails to perform its obligations, the mortgagee has the right to be repaid in priority with the price obtained from the auction of the mortgaged real estate in accordance with the law.

Article 48.

The ownership of a house acquired in accordance with the law may be mortgaged together with the land use right within the area occupied by the house.

A mortgage may be created for the land use right obtained by way of transfer.

2. What materials are needed for a real estate mortgage.

The documents required for a mortgage loan are as follows:

1. Valid ID card and household registration book of the borrower;

2. Proof of marital status, unmarried person needs to provide unmarried certificate, divorced person needs to issue court civil mediation letter or divorce certificate;

3. The property right certificate of the real estate;

4. Other materials required by the bank.

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive) next to the first filial piety; Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers shall have resided in the People's Republic of China for at least one year and have a fixed residence and occupation;

2. Have a legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried declaration);

3. Have a good credit record and willingness to repay;

4. Have a stable income** and the ability to repay principal and interest on time and in full;

5. Able to provide legal, effective and reliable housing mortgage recognized by the bank;

6. Open a personal settlement account in a bank;

7. Other conditions stipulated by the bank.

1. What is the mortgage process?

1. Pre-loan consultation for borrowers: fill in the application form for residential housing mortgage and submit the following supporting materials from the bank:

1) Proof of the borrower's fixed economic income issued by the borrower's unit; Credit documents such as business license and legal person certificate of the loan guarantor;

2) The borrower's legally valid identity certificate; Proof of ownership of the dwelling or proof of the right to dispose of the dwelling in accordance with the law;

3) Appraisal report, appraisal and insurance documents of the mortgaged property; Contracts, agreements or other supporting documents for the purchase and construction of housing; Other documents or materials required by the lending bank.

2. The bank shall review the borrower's loan application, house purchase contract, agreement and related materials.

3. The borrower shall hand over the property right certificate and insurance policy of the mortgaged property to the bank for custody.

4. The guarantor of the borrower and the borrower sign the housing mortgage contract and notarize it.

5. After the loan contract is signed and notarized, the bank shall transfer the deposit and loan of the borrower to the house purchase contract or agreement to the house sale unit or building unit designated by Shenyin.

2. What are the risks of applying for a real estate mortgage.

1. Default riskDefault risk includes forced default and rational default. Forced default refers to the passive behavior of the borrower, and the ability to pay theory believes that the forced default is caused by the lack of elasticity of the person who can pay. This indicates that the borrower is willing to repay but does not have the ability to repay.

2. Liquidity riskLiquidity risk refers to the risk that it is difficult to realize funds in short-term deposits and long-term loans, and liquidity is an important principle for banks to ensure asset quality.

3. Economic cycle riskThe economic cycle risk refers to the risk generated in the process of repeated fluctuations in the overall level of the national economy, and the real estate industry has a higher sensitivity to the economic cycle than other industries.

4. Interest rate riskInterest rate risk refers to the risk brought by the change of interest rate level to the value of bank assets, which is determined by the capital structure of its business short-term deposit and long-term loan, and the fluctuation of interest rate will bring losses to the bank whether it rises or falls.

1. A natural person with full capacity for civil conduct, whose actual age at the maturity date of the loan is generally not more than 65 years old;

2. Have a legal and valid identity certificate (resident ID card, household registration book or other valid identity certificate) and marital status certificate;

3. Have a good information record and willingness to repay;

4. Have a proper occupation and stable income**, and have the ability to repay the principal and interest of the loan on time;

Further information: The advantage of a mortgage is that the interest rate is lower and the collateral is also usable. However, mortgages also have unpredictable risks, so applying for a mortgage also requires certain qualifications.

What are the advantages and disadvantages of a mortgage? Here's what Money Spend brings to you:

What are the advantages of a mortgage?

1.The loan amount is higher.

Mortgage assets are generally relatively large in value. Judging from the current situation in China, the vast majority of enterprises are mortgaged by real estate, and a small number are mortgaged by fixed assets such as machinery and equipment at the same time as real estate mortgage. There are also a very small number of companies that use the net assets of the entire enterprise as collateral.

This is all because the value of the collateral assets must match the amount of the loan, and among the various assets of the enterprise, the investment in fixed assets such as houses, land, or construction projects is huge, which can meet the requirements of the mortgage.

Some other assets with relatively low value are generally not used as collateral assets. In terms of loan amount, the amount of a mortgage loan is much higher than that of an unsecured loan.

2.The interest rate on the loan is low.

Due to the sufficient collateral, the borrower's interest rate is lower than that of an unsecured loan, and this low interest rate reduces the borrower's cost on the one hand.

3.During the mortgage period, the property rights of the mortgaged assets remain with the borrower.

The mortgagor simply gives the mortgagee (lender) the power to dispose of their assets in case they are unable to repay the loan on time in order to guarantee the recovery of the loan. Therefore, during the mortgage period, the owner can use all his assets normally.

What are the disadvantages of a mortgage?

1.The loan threshold is high.

In the case of a home mortgage, for example, not all homes can be mortgaged. Considering the problem of realising the house, the bank usually stipulates that the mortgage period should be about 25 years, and the area of the house is more than 50 square meters. Affordable housing purchased less than 5 years ago, small property rights, houses that cannot provide a purchase contract, and houses that have not been paid off with loans are all within the scope of restrictions.

2.The process is complex and costly.

For common mortgages, there are certain fees to be paid for home appraisal, such as appraisal fees, notary fees, mortgage registration fees or insurance premiums, etc. The car loan needs to pay the car value appraisal fee, if the mortgage does not charge the car, you need to pay the GPS installation fee and leasing fee, and you need to pay a handling fee, the car loan is suitable for borrowers with short-term capital needs.

3.Risk of forfeiture of collateral.

When a borrower wants to repay the loan but is unable to do so, they are bound to face the risk of forfeiture of the collateral.