Why didn't the bank give me the original property certificate when I borrowed money to buy a house?

1, the original text is not given. From the procedural point of view, it is because of the exchange of other warrants. From the perspective of bank risk control, it is to prevent you from repeating mortgage loans, thus causing losses to bank assets. It is not excluded that individual banks can retire individuals, but now banks with standardized internal control procedures will not retire.

2. If you apply for a mortgage loan in a bank, it depends on the local mortgage department. In some cities, the mortgage department will take back the original real estate license, then issue a mortgage certificate to the bank, and then go to the mortgage department to cancel the mortgage when repaying. Then return the original. Some city mortgage departments will not accept the original real estate license, but they will mark in the remarks column of the original that the real estate has been mortgaged to a bank, and the original will be returned to you, and other warrants will be issued to the bank.

First, take the personal housing mortgage loan information provided by China Industrial and Commercial Bank as an example.

Personal data:

1. Borrower's ID card. If married, the identity cards of both husband and wife.

2. Home page, home page, personal page and change page of the borrower's household registration book.

3. The income certificate and business license shall be filled in bold type and stamped with the official seal. Capitalize the income and affix the official seal to the business license.

4. Tax payment certificate Provide corresponding tax payment certificate if the monthly income is more than 50,000. Extended data:

Conditions that the lender and the mortgaged house should meet:

II. Conditions of the lender:

First of all, the actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old; Secondly, there is a permanent residence in Beijing and a fixed residence. Have a proper occupation and a stable income source, have the ability to repay the loan principal and interest on schedule, and are willing and able to provide real estate mortgage recognized by the lender. Real estate * * * has recognized its loan and guarantee behavior and is willing to bear relevant legal responsibilities. Conditions for mortgage of real estate: the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgage; The age of the house is calculated from the date of completion of the house+the loan period does not exceed 40 years; Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. Real estate license mortgage.