Can the office building be mortgaged?

Real estate mortgage loan is a kind of loan in which the borrower mortgages his or a third party's property (including houses, offices, shops, factories, etc.). ).) Used for personal comprehensive consumption, and repaid in the form of mortgage.

Basic requirements for office mortgage loans:

1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;

2. The appraised real estate with present value less than 654.38+10,000 yuan is not mortgaged;

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration has been handled according to law, and there are no unfavorable liquidation situations such as property rights disputes;

4. Strong liquidity, good real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction and property management. , there are no disputes and problems, which are not within the scope of demolition planned by the government;

5. If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit period+house age is not more than 40 years in principle; If the mortgaged property is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit term+age is not more than 30 years in principle;

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.

The above six points are just some basic requirements. Whether the specific office building meets the conditions of bank mortgage loan should be confirmed with the handling bank when applying for a loan.

Office mortgage loan process:

1. The borrower opens a current deposit account in the bank;

2. Information needed to prepare the loan;

3. Sign in person at the bank;

4. Bank reporting and approval;

5. After the approval of the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8, according to the situation for insurance, notarization and other procedures;

9. The bank directly transfers the loan to the account agreed in the contract;

10. The borrower shall repay the loan principal and interest according to the loan contract.

1 1. Loan processing.