Although a copy of the real estate certificate plays an important role in many places, sometimes it cannot replace the original to help achieve the desired effect. So the knowledge introduced today is about whether a copy of the real estate certificate can be used as a loan, including the specific circumstances and corresponding explanations. In addition, for friends who are interested in performing similar operations, we have further analyzed the loan process and Note, you can refer to it to filter out appropriate and valuable information.
1. Can I get a loan with a copy of the real estate certificate?
No!
And to apply for a real estate mortgage loan at a bank, you need to go to the real estate bureau to go through the mortgage procedures, that is, the mortgage certificate.
Reminder: There are certain risks in using your real estate certificate as collateral for your loan. Because the property here is his only residence, the judgment cannot be executed.
Suggestion: use other items as security.
2. What information is needed for a real estate mortgage loan?
A loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase the bank's own accumulation< /p>
Personal information
1. ID card of the borrower (? For example, if married, ID cards of both husband and wife?);
2. Borrower’s household register (home page, Account home page, personal page, change page)?;
3. Proof of income and business license? (Fill in with black eight-character pen and stamp with official seal, income in capital letters, business license with official seal);
< p>4. Tax certificate (relevant tax certificate must be provided for monthly income of more than 50,000 yuan);5. ICBC current passbook or card (used for deduction or account entry);
6. Proof of assets such as house book, car certificate of deposit, etc. (not necessary);
7. Proof of higher education (not necessary);
3. Real estate mortgage loan process
Prepare all the information, including the couple’s ID cards, household register, marriage certificate, and real estate certificate. House purchase contract or invoice, personal account bank statement for the last six months.
The bank will review the borrower's loan application, home purchase contract, agreement and related materials.
The borrower will hand over the property title certificate and insurance policy or securities of the mortgaged property to the bank for collection.
The guarantors of both the borrower and the borrower sign a housing mortgage loan contract and have it notarized.
After the loan contract is signed and notarized, the bank's deposits and loans from the borrower will be transferred to the house selling unit or building unit specified in the house purchase contract or agreement.
The content introduced above includes the role of a copy of the real estate certificate and the explanation of whether it can be used instead of the original to apply for a loan. From this, we can know that the loan application has relatively strict requirements in this regard, so A copy of the real estate certificate cannot help to achieve the expected effect. For users, it is even more necessary to understand other matters related to loans, including processes or information, which have reference value and reference significance. You can comprehensively analyze the actual situation. Select appropriate solutions based on specific circumstances.
Tubatu provides you with "each decoration quotation, 1-4 local decoration companies, 3 sets of decoration design plans" for free online, as well as decoration avoidance strategies! Click this link:/yezhu/zxbj-cszy.php?to8to_from=seo_zhidao_m_jiare&wb, and you can get it for free~