Can the house be mortgaged?

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.

This kind of loan is actually that the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain the loan. During this period, if the debtor fails to repay the loan principal and interest on time, the creditor has the right to dispose of the collateral.

And can be repaid first. This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.

The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Since the borrowers of such housing loans are mostly individual residents, it is impossible for banks to clearly know the financial strength and credibility of borrowers.

This increases the risk of bank loans, and mortgage loans provide creditors with an effective guarantee to recover loans just under the condition of high loan risks. Therefore, most banks use mortgage loans when granting housing loans to individual residents.

Extended data:

1. Mortgaged real estate is used for operation.

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes.

Amount: For commercial purposes, you can generally apply for 70% of the real estate appraisal value at most.

Interest rate: According to the bank policy and the qualifications of borrowers, the interest rate will rise by more than 20% on the basis of the benchmark interest rate.

Years: generally less than five years.

Second, the mortgaged property is used for personal consumption.

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets and personal consumption.

Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate will generally be implemented or floating 10%.

Years: generally less than 10 years.

3. Mortgaged property is used to purchase commercial housing.

Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing.

Four, housing mortgage bank loan procedures:

1. You need to open a current deposit account with a banking institution;

2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;

3. The bank manager or appointed lawyer will visit you at home to investigate the authenticity, legality and completeness of the information you provide;

4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;

7. Please repay the principal and interest according to the loan contract.

Five, rural housing mortgage loan procedures:

The application for rural housing mortgage loan shall be submitted by the borrower with rural housing ownership to the financial institution, and the following materials shall be submitted:

(1) Valid identification of the borrower (mortgagor);

(two) the certificate of ownership of the mortgaged house and the corresponding certificate of land use right (including the certificate of collective construction land use right, the same below), and the right subject is consistent;

(3) The written commitment of the mortgagor (* * * owner) on the ownership status, mortgage status and consent to dispose of the collateral;

(4) The mortgagor (* * * someone) promises in writing that after the mortgaged house is disposed of, he/she, his/her dependents and dependents will have a place to live [this promise needs to be signed by the village (community) where the mortgagor is located];

(5) Other materials that financial institutions consider necessary.

Third people's rural housing shall not be used for mortgage loans.

Baidu encyclopedia-housing mortgage loan