Procedures and formalities of housing mortgage loan

The basic procedures of real estate mortgage registration are as follows:

1. mortgage registration application

To handle the registration of real estate mortgage, the following documents shall be submitted to the registration authority:

(1) Application for real estate mortgage registration;

(2) the identity certificate or legal person qualification certificate of the mortgagor;

(3) mortgage contract;

(4) State-owned land use certificate, house ownership certificate or real estate certificate;

(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;

(6) Information that can prove the value of the mortgaged real estate;

(7) Other documents deemed necessary by the registration authority.

Step 2 accept the application

To examine whether the documents submitted by the applicant are true and complete, and if the application documents do not meet the requirements, they will not be accepted; If the application documents meet the requirements, it shall be accepted and given the application number, and the receipt shall indicate the documents received, the date of acceptance and the number.

review

register

(1) If mortgage registration is granted, a special seal for mortgage shall be affixed to the certificate of real estate ownership, and the mortgage situation shall be recorded in the real estate register. The mortgage record shall include the name, area, value, mortgage amount and mortgage term of the mortgagor and mortgagee and the mortgaged property.

(2) When purchasing real estate mortgage in advance, a special seal for mortgage shall be affixed to the sales contract.

5. Proof of charge

(1) Registration fees shall be charged according to relevant national or local regulations.

(2) Return the real estate title certificate stamped with the special seal for real estate mortgage to the mortgagor within the specified time (the mortgagor will collect it with the receipt, identity certificate and payment voucher).

Step 6 present

Establish land and real estate registration files according to regulations.

Extended data:

China's "Security Law" stipulates that if the parties mortgage the land use right, urban real estate or buildings such as factories of township (town) and village enterprises, trees, aircraft, ships, vehicles, equipment of enterprises and other movable property, they shall register the mortgaged property, and the mortgage contract shall take effect from the date of registration. If the parties use other property as collateral, they can register the collateral voluntarily, and the mortgage contract will take effect from the date of signing. If a party fails to register the mortgaged property, it may not oppose a third party.

Reference link: real estate mortgage registration-Baidu Encyclopedia