Do you need a household registration book to sell a house or a mortgage on a house?

If the buyer can pay all the money in one lump sum, the owner only needs to take the money and deliver the mortgage title deed to the bank and complete the business process in the first case.

However, if the buyer also needs to borrow from the bank to pay the house payment, it is relatively troublesome, and he needs to apply to the bank for a "remortgage". To put it simply, a home that is still under mortgage is bought and sold again, and the buyer of the house still needs to take out a loan to pay off the previous mortgage of the house.

If the mortgage is transferred, the seller needs to prepare the ID card, household registration book, private seal, original deed of sale, original purchase contract, house ownership certificate, and proof of co-owner's consent**.

If you want to make a mortgage, then the house you want to mortgage must meet the conditions of the mortgage, that is, the mortgage of a commercial house with three complete certificates, the area is more than 70 square meters, the age of the house is less than 20 years, and the location is in such a good location in the city center. In this way, you can mortgage 70% of the appraised value of the house. If your real estate is compliant, the information you need to prepare is your personal ID card (if you have a spouse, your spouse's ID card is also required), your household registration book (if you have a spouse, your spouse's household registration book is also required), marriage certificate, proof of work or assets, if you are single, you must have a single certificate, a certificate of loan purpose, a ** water bill, etc.

If you still don't need to understand or want to know whether there are any products suitable for you to open in addition to these two loan products, you can go to the bank ** loan supermarket, there is cooperation with the bank, there are many special products of the bank, the procedures are simple and efficient, the success rate is large, many steps are synchronized with the bank, it is very formal, the loan time is 7-10 working days, I personally think it is quite good, you can understand it yourself.

Legal Analysis: No, a copy of the mortgage household registration book is required. 1. The original and photocopy of the ID card and household registration book of the borrower and his or her spouse.

2. Certificate of marital status of the borrower and a photocopy. 3. Certificates and copies of family house ownership and car ownership, and other assets to prove it. 4. Personal main bank account statement for the past 6 to 12 months.

5. Proof of income of the work unit. 6. Supporting materials such as family private loans. 7. Evaluation report.

Legal basis: "Detailed Rules for the Implementation of the Interim Regulations on the Registration of Immovable Property" Article 65 Where the following property is mortgaged, an application may be made for the registration of a mortgage on immovable property: (1) the right to use land for construction purposes, 2) buildings and other land attachments, 3) the right to use sea areas, 4) the right to erect wasteland and other land contracts and management chains obtained by means of bidding, auction, public consultation, etc., 5) buildings under construction, and (6) other immovable properties that are not prohibited by laws and administrative regulations.

Generally, it is not necessary to provide a household registration book for housing mortgage registration, and the materials that need to be provided include real estate ownership certificates, mortgage contracts and master creditor's rights contracts. Article 66 of the Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Immovable Property: Where a natural person, legal person or other organization creates a mortgage on movable property in accordance with the law in order to ensure the realization of its creditor's rights, the parties may jointly apply for mortgage registration with the necessary materials such as the certificate of ownership of the immovable property, the mortgage contract and the main creditor's rights contract.

Contract for the purchase of the house. Yinlu or the bank is aware of the loan contract and the identity certificate of both husband and wife. Hukou booklet, etc.

The process of applying for a mortgage is based on this, and you need to provide a purchase contract. Bank loan contract and proof of identity of both spouses. Hukou booklet.

Marriage certificate. Title deed (if you are married, you need to prepare your spouse's ID card.) Hukou booklet.

Proof of single status is required for minors). Bank card or recent statement. Proof of income.

Bank cards. The other is to go through the mortgage registration process, you need to bring the original and copy of the real estate certificate to the housing authority to go through the mortgage procedures.

Generally, it is not necessary to provide a household registration book for housing mortgage registration, and the materials that Kuanshan Qi needs to provide include real estate ownership certificates, mortgage contracts and master creditor's rights contracts. Article 66 of the Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Immovable Property Where a natural person, legal person or other organization creates a mortgage on immovable property in accordance with the law in order to ensure the realization of its creditor's rights, it may be prudent for the parties to jointly apply for mortgage registration with the necessary materials such as the certificate of ownership of the immovable property, the mortgage contract and the main creditor's rights contract.

Generally, it is not necessary to provide a household registration booklet for housing mortgage registration, and the materials that need to be provided include real estate ownership certificates, mortgage contracts, and credit contracts of suspected shack owners. A mortgage contract may be a separate written contract or a mortgage clause in a master creditor's rights contract.

1. What are the conditions for real estate mortgage?

a) The conditions of the mortgage loan on the borrower's requirements:

The borrower must first be a legally valid resident in Chinese mainland who is at least 18 years old, generally not more than 65 years old, has full capacity for civil liability, and has no record of major adverse laws and regulations;

Have a good personal credit profile, have a stable job, or can prove a stable income** to ensure that you have sufficient repayment ability. In addition, the property under the name of the person or jointly owned with others can be used as collateral and meets the mortgage conditions.

2) The conditions of the real estate mortgage on the requirements of the house:

1. An important point is to meet the mortgage requirements: it must be a commercial house, a property that can enter the market for trading and circulation, a small property right house, a farmer's house, a safe house, a welfare house, and a self-built house are not included.

2. There are no other mortgages registered; The age of the house is not included in the urban demolition plan.

3. The property right is clear, it can be its own fierce suspicion, or it can be shared, and the premise of common ownership is that all co-owners agree to make a mortgage. There are real estate certificates and land use right certificates issued by the real estate department and the land management department.

4. The house has a considerable appraisal value to ensure that the loan can meet the demand, and the liquidity of the house should be strong, that is, it should be easy to sell.

Legal basis: Detailed Rules for the Implementation of the Interim Regulations on the Registration of Immovable Property

Article 66 Where a natural person, legal person or other organization creates a mortgage on immovable property in accordance with law in order to ensure the realization of its creditor's rights, the parties may jointly apply for mortgage registration with the necessary materials such as the certificate of ownership of the immovable property, the mortgage contract and the main creditor's rights contract.

A mortgage contract may be a separate written contract or a mortgage clause in a master creditor's rights contract.

Article 76 Where an application is made for the first registration of a mortgage on a building under construction, the parties concerned shall submit the following materials:

1) Mortgage contract and main creditor's rights contract;

2) The certificate of ownership of the real estate with the right to use the construction land in the hands of the Xiangzhishou;

3) Construction project planning permit;

4) Other necessary materials.

Generally, it is not necessary to provide a household registration booklet for housing mortgage registration, and the materials that need to be provided include real estate ownership certificates, mortgage contracts, and master creditor's rights contracts. Article 66 of the Detailed Rules for the Implementation of the Interim Regulations on the Registration of Immovable Property: Where a natural person, legal person or other organization creates a mortgage on immovable property in accordance with the law in order to ensure the realization of its creditor's rights, the parties concerned may jointly apply for mortgage registration with the necessary materials such as the certificate of ownership of the immovable property, the mortgage and the contract with the main creditor's rights.