Is personal property mortgage safe?

The process and conditions of mortgage loan

Legal subjectivity:

The general process of submitting loan application, loan information, house evaluation, loan approval, signing loan contract, mortgage registration and applying for mortgage loan from the bank is as follows: 1. When submitting a loan application to a bank, the purpose, amount and term of the loan shall be clearly stated. If the loan application meets the bank loan category, then the relevant materials need to be prepared next. 2. Submission of loan information If an individual applies for a mortgage loan, he/she needs to provide the following information: the borrower's ID card, running water for the past six months, work certificate, credit report, house title certificate, etc. If an enterprise needs to mortgage the real estate, the materials it should provide include: business license, articles of association, capital verification report, purchase and sale contract, running water of the last six months, annual financial statements of the previous year, financial statements of the last six months, and proof of assets. 3. After all the above materials are submitted, the bank will conduct on-the-spot investigation and evaluation of the mortgaged property. This is an important part of the mortgage loan process, which will directly determine the loan amount of the mortgaged property. 4. The appraisal company submits the appraisal report or opinion to the bank for approval. 5. Signing a loan contract The borrower signs a loan contract with the lending institution, and all relevant documents, signatures and handprints are notarized by a notary. 6. Mortgage registration procedures The bank shall go through the mortgage registration procedures at the real estate office with the house ownership certificate and notarized loan contract. 7. Due to different bank regulations, bank loans will be made to the account of cooperative merchants in the form of cash, punching or remittance.

Legal objectivity:

Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Interim Measures for the Administration of Personal Loans Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Interim Measures for the Administration of Personal Loans Article 26 Lenders shall standardize the guarantee process and operation in accordance with the relevant provisions of People's Republic of China (PRC) Property Law, People's Republic of China (PRC) Guarantee Law and other laws and regulations. The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral. Personal loans secured by guarantee shall be completed by at least two loan officers.

How to operate the real estate mortgage loan?

With the continuous development of social economy, more and more people are ready to start their own businesses. It is good to have your own ideas, but starting a business often requires start-up funds. In the course of operation, it is inevitable that there will be insufficient cash flow. Many borrowers have consulted, how to operate the real estate mortgage loan? Share the conditions and process of mortgage loan.

How to operate the mortgage loan?

Strictly speaking, operating mortgage loan is a kind of loan with special price comparison. If the borrower wants to use the house as collateral, the term generally cannot exceed the service life of the house.

For properties that have not reached their useful life, 60% of the property value can generally be borrowed. If it is a property that has been used for more than 20 years and less than 30 years, it can generally be loaned to 40%~50% of the property value. As for the property with a service life of more than 30 years and less than 40 years, generally only 30%~40% of the property value can be loaned.

1. Real estate mortgage loan conditions

Mortgage business loans are more about collateral requirements: the term of the house is required to be within 20 years; The housing area should be more than 50 square meters; The house should have strong liquidity; Generally, "borrower's age" means that men are not over 65 years old and women are not over 60 years old; Borrowers can't have bad credit records in their credit investigation.

2. Real estate mortgage loan process

First, the borrower needs to open a current deposit account in the bank, then prepare the loan-related materials and submit a loan application to the bank. After the bank agrees to approve the loan, there will be a face-to-face signing. Then the bank carries out the second examination and approval, informs the borrower of the examination and approval result, and signs a loan contract with the borrower.

The borrower also needs to go to the Construction Committee for mortgage registration and get his right certificate. After that, handle insurance, notarization and other procedures as appropriate.

3. Real estate mortgage interest rate

Bank mortgage loans are divided into self-owned real estate loans and mortgage real estate loans. The interest rates of the two kinds of loans are different, and the interest rate of mortgage real estate loans is usually higher than that of self-owned real estate loans. However, it is clearly stipulated that "the loan interest rate is usually 10% higher than the benchmark interest rate of the central bank in the same period".

How to handle personal housing mortgage loan business?

For personal mortgage loan business, you can go to Mo Long for consultation. Mo Long enterprise tax bill loan can be 5 million yuan in 30 minutes. Unsecured loan, as long as 1 day, apartment stores can also apply.

Personal mortgage loan means that the borrower mortgages the property in his own name and applies to the loan bank for RMB loans for personal legal and compliance purposes, including personal house purchase, car purchase, consumption, business and other legal and legal loan purposes. Housing mortgage loan conditions: legal status, remarks: divorced (including widowed) unmarried need unmarried certificate issued by relevant departments, and the mortgage of the house needs * * * effective * * owner's consent.

For more information about mortgage, please consult Morlon. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and microfinance companies. Trustworthy!

Personal mortgage loan

Personal real estate mortgage loans can be divided into personal consumption loans and personal business loans according to different purposes.

Personal property mortgage loan process is as follows:

1. To prepare the loan application materials, the borrower shall provide the loan purpose, amount, years, etc.

2. Bank information audit.

3. After the data is approved, the bank conducts on-the-spot investigation and evaluation on the real estate.

4. Apply for a loan.

5. Notarization of loan contract.

6. Mortgage registration procedures.

7. Wait for a loan.

Legal basis:

Article 11 of the Interim Measures for Personal Loans

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Personal housing mortgage loan

Mortgaging real estate license is a common form of mortgage loan. When buying a house, many people choose to mortgage the real estate license to a bank loan, which greatly reduces the pressure on buyers. So how to operate this form of loan?

Personal housing mortgage loan is a RMB-guaranteed loan issued by the bank to customers with the real estate in the name of customers (including spouses) as collateral for personal legal and compliance purposes, including personal housing purchase, car purchase, consumption, business and other legal and other loan purposes.

Generally speaking, when handling mortgage loans, the area of the mortgaged property shall not be less than 30 square meters, and the construction period shall not exceed 20 years. At the same time, the maximum amount of mortgage loan shall not exceed 70% of the assessed value of collateral, and the maximum amount of office buildings, commercial buildings facing the street and villas shall not exceed 50% of the assessed value of collateral. When handling loans, the benchmark interest rate is usually implemented, and sometimes it will rise by a certain percentage according to the nature of the house and the mortgage interest rate. The mortgage term of a loan is usually between 65,438+0 and 65,438+00 years, and the minimum loan amount is 300,000 yuan.

For individuals, applying for real estate mortgage loans must meet the following conditions:

1. Applicant 18 years old or above;

2. Have a stable job and income and good personal credit;

3. Other conditions stipulated by the applicant bank.

The specific process of application is as follows:

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the purchaser and the bank for real estate mortgage registration;

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).

It is worth mentioning that because of its high mortgage credit, real estate mortgage loan can quickly obtain loan credit in banks, and the loan amount is also rising from the value of real estate. Especially, compared with other unsecured or mortgage loans, the expected annualized interest rate is usually much lower and the success rate of obtaining loans is higher.

How to handle the personal mortgage loan business of China Bank?

Bank of China provides personal consumption loans. Personal consumption loans are divided into personal mortgage consumption loans and personal mortgage consumption loans according to whether there is mortgage or not. The collateral for personal consumption loans shall meet the following conditions:

1. You have legal and complete ownership, the mortgaged property (including houses and commercial buildings) conforms to the provisions of the Guarantee Law, and the farmers' housing property rights conform to the provisions of the Measures for the Administration of Mortgage Loans for Farmers' Housing Property Rights of Bank of China, and have not been mortgaged to other creditors (it has been mortgaged to Bank of China according to previous loan contracts, except those that should be handled by the original agency).

2. When applying for personal consumption loan with collateral owned by a third party or jointly owned by you and a third party, the owner of the collateral or the owner of the same ownership must present his valid identity certificate to the bank to sign all relevant documents. If there are * * * shares, the applicant shall provide proof of ownership and indicate its share; For those owned by * * * and * * *, the applicant shall provide other written documents unanimously declared by * * *.

3. Commercial houses used as collateral must have independent property rights, can be disposed of separately, and have good location and great appreciation potential (refer to local BOC outlets for specific standards).

4. If you have multiple mortgages, you can apply for one mortgage turnover line or apply for multiple mortgage turnover lines separately, but multiple mortgage turnover lines cannot use the same mortgage. If you need a loan, you can consult your local BOC outlets.

The above contents are for your reference. Please refer to the actual business regulations.