Loan to real estate center to play what information

1. This is the division of authority of national administrative functional departments. Each department has its own division of responsibilities. The administrative approval service center is to handle mortgage, so you need to come here. There's no reason for this. It's like calling 119 when you find a fire, 110 when you find a bandit or police, and 120 when you find that you need first aid. That is to say, regulations.

2.

when handling the real estate mortgage registration, both parties should bring the following relevant legal documents: 1. Copy of business license; 2. The identity certificate or legal representative certificate of the mortgaged party; 3. If it is handled by an agent, there should be a power of attorney from the legal representative or the party concerned; 4. Loan contract (main contract); 5. Mortgage contract; 6. Property right certificate of the mortgaged property (including state owned land use right certificate and house ownership certificate); 7. If the mortgaged property is owned by a joint venture or a joint stock company, there shall be a resolution of the board of directors approving the mortgage; 8. In case of repeated mortgage, the written document of the former mortgagee agreeing to re mortgage shall be provided; 9. If it is the mortgage of the joint property, the written documents agreed by all the joint owners shall be provided; 10. The mortgagor shall have a written document stating that the mortgaged property provided by him has no legal defects; 11. Other legal documents related to mortgage

3. There are many weak IT companies in mainland China.
after paying off the principal and interest of the mortgage loan, they should hold the relevant certificate of paying off the principal and interest of the loan, and apply to the department handling the loan branch of the bank for releasing the mortgage and obtaining the warrant. After the bank's examination and approval, they can go through the collection proceres, In this way, you can get back the original of the mortgage warrant (or mortgage registration certificate), and get a certificate issued by the bank to repay the principal and interest of the loan. Finally, the borrower holds the original of the mortgage warrant (or mortgage registration certificate), the certificate to repay the principal and interest of the loan, and the ID card, Go to the original registration department or the specified Department to go through the mortgage release proceres and get back the house property certificate.

4. If your loan is backed by real estate, go to the real estate trading center with the bank clearing (settlement) sheet to cancel the mortgage. If not, you don't have to go to the real estate trading center. No agency. It's very simple. I'll do it when I go. On the other hand, if you have mortgage insurance and repay the loan in advance, you must go to the insurance company first and refund part of the insurance money. Then, write off the pressure.

5.

After the house mortgage loan is paid off, we should go to the bank for the settlement certificate. After the bank issues the settlement certificate, the staff of the bank will take the settlement certificate and the buyer to the real estate bureau where the real estate is located for the cancellation of other mortgage proceres

development materials

mortgage loan is a kind of loan business carried out by means of mortgage. For example: the housing mortgage loan is the indivial housing loan business that the house buyer uses the house purchased as the mortgage and the real estate enterprise that purchases the house provides the phased guarantee. The so-called mortgage means that the mortgagor transfers the property right of the house to the mortgagor, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the beneficiary immediately transfers the property right of the house involved to the mortgagor. In the process, the mortgagor enjoys the right to use the house

data source: online mortgage loan

6. You buy the house in the mortgage, the real estate center will give you to go through the proceres, to do the mortgage, the proceres, you just bought to take the mortgage?

7. Forget to pay wages, after the real estate trading center should handle the transfer proceres.

8. After repaying the loan, the property owner and the bank will go to the housing authority to handle the mortgage cancellation proceres with the mortgage cancellation application form, the loan repayment certificate and some identity documents of both parties, while the property owner (the name of the owner written in the property certificate, several people will go) will go to the Housing Authority together. If the property owner can not go to the housing authority for other reasons, he needs to entrust notarization and entrust others to help.

9.

After the bank mortgage is paid in advance, it is necessary to go to the real estate bureau to handle the following proceres:

1. After the house purchase loan is paid off, it is necessary to go to the bank where the loan is located to go through the proceres first, and get the certificate of other items of the house. The bank shall affix the official seal on the certificate of other items, and write down the cancellation opinions, such as: the loan has been returned, and agree to cancel the mortgage

Then, the property owner should bring the real estate certificate, other certificates and the original ID card to the mortgage section of the local property housing security and real estate administration bureau for mortgage cancellation registration

3. If there are more than one person's name on the property right certificate, at least one property owner should be present, the original ID cards of other property owners should also be taken, and if there are minors' names, the guardian should bring the proof of guardian's identity to the scene

extended data

conditions for the lender and the mortgaged house:

conditions for the lender:

first of all, the actual age of a natural person with full capacity for civil conct at the maturity date of the loan is generally not more than 65 years old; Secondly, they have permanent residence in Beijing and fixed residence; Having a proper occupation and stable source of income, and the ability to repay the principal and interest of the loan on schele; Third, willing and able to provide real estate mortgage approved by the lender; Fourth, the real estate co owners recognize their loan and guarantee behavior, and are willing to bear the relevant legal responsibility

conditions of mortgaged real estate:

the property right of the house should be clear, meet the conditions of listing and trading stipulated by the state, and can enter the real estate market without any other mortgage; The age of the house (calculated from the date of completion of the house) + the loan period shall not exceed 40 years; The mortgaged house is not included in the local urban reconstruction and demolition plan, and has the house property certificate and land certificate issued by the real estate department and the land management department; The owner of the mortgage may be the borrower himself or another. If the real estate owned by others is used as mortgage, the mortgagor must issue a written commitment to agree the borrower to apply for a loan with the real estate as mortgage, and require the mortgagor and his spouse or other co owners of the real estate to sign

materials to be submitted by the lender:

materials to be provided by the borrower include: ID card and account book; Proof of personal income (with official seal of the company); A of the business license of the company (with official seal); marriage certificate; The identity card and household register of the borrower's spouse; The original and of the house ownership certificate and the original purchase agreement; The notarial certificate of the consent of the house owner and the co owner to mortgage and the proof of the purpose of the loan. Different materials need to be prepared for different types of houses, as follows:

(1) real estate mortgage contract (signed by both husband and wife on site)

(2) house ownership certificate

(3) of land use right certificate (original )

(4) real estate appraisal report issued by a qualified appraisal institution

(5) bank loan contract

(6) the proof of the relationship between husband and wife and the copies of the ID cards of both parties (check the original), and the certificate of celibacy shall be issued by the Civil Affairs Department of the place where the registered permanent residence is located

(1) house purchase pre-sale contract

(2) signing house purchase loan contract with bank

(3) a of the receipt of the advance payment for house purchase (check the original)

(4) the of the marriage certificate of the couple (check the original), and the certificate of celibacy issued by the Civil Affairs Department of the place where the registered permanent residence is located