Restrictions on the use of mortgage bank loans The uses of real estate mortgage funds generally include: buying shops, cars, home improvement, studying abroad, medical care, traveling, buying large quantities of durable consumer goods, etc. , can also be used for enterprise capital turnover and entrepreneurship. Banks have certain regulations on the use of borrowers' property loan funds when handling mortgage consumer goods, and borrowers are applying to banks. When making a loan, it is necessary to explain the purpose of the loan funds to the bank, and at the same time, when the loan is approved and the goods are released, it is also necessary for the borrower to provide the corresponding proof of payment funds. The purpose of this is to strengthen the flow of loan funds. Manage and prevent all possible frauds and loan funds from entering the risk industries such as non-performing funds in the stock market. Personal housing mortgage loan conditions

1. A natural person with China nationality and full capacity for civil conduct; 2. Hold valid identity documents; 3. Have a stable and legal source of income; 4. Mortgaged property has real estate license, clear property rights and can be listed and circulated. 5.6. Other conditions stipulated by the bank for individual housing mortgage loan procedures. The payer entrusts the company to handle the loan formalities, and submits the corresponding loan materials and materials required for the loan; 7. Handling the assessment reports of pledge, pledge and pledge in kind; 8. Submit the loan application form to the loan bank, sign the loan contract, handle all kinds of agreements, and handle notarization and insurance procedures; 9. Bank approval; 10, the real estate bureau handles mortgage registration and other warrants; 1 1, the bank confirms and issues the loan.

Mortgage default risk

The risk of default includes compulsory default and rational default. Compulsory breach of contract refers to the passive behavior of the borrower. The theory of ability to pay holds that this will lead to compulsory violation.

Sign a contract because of insufficient ability to pay. This shows that the borrower is willing to repay, but I am unable to repay. Rational default refers to the borrower's voluntary default. Regarding the equity theory, I believe that borrowers can only understand it in a sound capital market.

Compare the unique shares of its real estate with the scale of mortgage debt, and decide whether to default. When the real estate market price rises, the borrower can transfer the house. Pay off the loan, recover the cost and get a certain profit; When the market price of real estate falls, the borrower wants to pass on the loss, even if he pays for it. He also took the initiative to breach the contract and refused to repay. Depending on the availability of credit funds, the expansion of loan use also depends on the objective needs of economic development in different periods. Capital integration plays an increasingly important role in the national economy, and bank credit has become an important part of society. An important channel for fund redistribution. Mortgage a bank loan.