What materials does the first-hand house mortgage need? The first-hand house mortgage loan process
In today's society, things are changeable. Maybe some buyers have just bought a first-hand house, and then they have to mortgage it, but some buyers don't know how to use the house property certificate as a mortgage. So this time, we will help you to understand how to use the house property certificate to mortgage a first-hand house, and how much do you know about it. First hand housing mortgage loan flow... Want to know more about the first-hand housing mortgage loan process and the required materials what knowledge, follow the Hualv net Xiaobian to have a look together.
1、 First hand house mortgage loan process
1. Establishment of debt contract
The debtor or a third party shall guarantee the real estate owned by itself according to law. If the buyer of commercial housing fails to pay all the house price, he can apply to the bank for a loan, and set a mortgage on the commercial housing as a guarantee for repayment of the loan.
2. Mortgage contract signed by both parties
If a commercial house is purchased with mortgage loan, the buyer shall first sign a commercial house sale contract with the commercial house development and operation unit, and then sign a loan contract and mortgage contract with the bank. At this time, the mortgagee must be the creditor, and the mortgagor is the debtor or the third party. When the debt cannot be fulfilled, the mortgagee has the right to dispose of the mortgaged property according to law.
3. Go through the mortgage registration procedures
Both sides of the mortgage shall go through the mortgage registration procedures at the real estate registration agency with the mortgage contract and the real estate right certificate. If a commercial house is purchased with mortgage loan, it may apply for mortgage registration at the same time as transaction registration.
4. The mortgagee shall keep other certificates of real estate rights, and the mortgagor shall keep the annotated certificates of real estate rights.
5. After the debt is fulfilled, the mortgagor and the mortgagor shall go to the real estate registration authority for the cancellation of mortgage with the application for cancellation of mortgage, the certificate of other real estate rights and the annotated certificate of real estate rights.
2、 Materials required for first-hand house mortgage loan:
1. House property certificate;
2. ID card and household register of debtor and spouse;
3. Debtor's marriage certificate (marriage certificate or unmarried certificate issued by Civil Affairs Bureau);
4. Proof of income;
5. Other documents or materials required by the lending institution.