Nowadays, most people who buy a house cannot "pay the money and deliver the goods". Instead, they apply for a mortgage loan from a bank. This is a method of real estate mortgage registration. So, what is mortgage registration for real estate for sale? How to register a mortgage?

Mortgage registration for real estate for sale can be divided into mortgage registration for houses for sale, mortgage registration for projects under construction, mortgage registration for property purchase rights (commonly known as mortgages for off-plan properties), mortgage extension registration, mortgage change registration, and mortgage cancellation registration.

No real estate mortgage shall be established under the following circumstances:

1. Public welfare real estate such as schools and hospitals;

2. The ownership is unknown or disputed Real estate;

3. Real estate that has been sealed up, detained, and supervised in accordance with the law;

4. Land with land use rights recovered in accordance with the law;

5. Failure to register in accordance with the law Receive necessary certificates;

6. Land use rights that have not paid off the transfer fee or have not been developed and invested in according to the transfer contract;

7. The house has been built but has not been handled in accordance with the regulations Registering and receiving the house ownership certificate;

8. Owning real estate without the written consent of all owners.

When registering the mortgage of real estate for sale, you should first fill in the mortgage application form and mortgage contract and other relevant materials, and have them stamped and signed by the mortgagor, mortgagee and guaranteed person. Then prepare the relevant documentary materials that must be submitted for mortgage registration (see details below), and submit the application to the real estate transaction management mortgage counter. After receiving the receipt, the applicant will receive a registration form, and the relevant staff will be notified of the on-site investigation on the same day or the next day. , after 4 working days, you can check the settlement status and payment status with the Mortgage Department. When you receive the notice to collect the contract, you should pay the registration fee to the exchange fee desk. Then, the applicant collects two copies of the mortgage contract and the invoice with the receipt and registration form, and delivers one of the contracts (one contract is kept by himself) and the receipt and registration form to the mortgagee. The exchange notifies the mortgagor to collect the house ownership certificate and other rights certificates after 3 working days with the receipt, and the mortgage is completed.

How to register the mortgage of a house for sale?

Mortgage registration of a house to be sold means that the creditor or a third party (mortgagor), in order to guarantee the repayment of the debt, must register the same for self-owned houses or public houses that have been approved as fixed assets of the enterprise (those for which a house ownership certificate has been issued). The creditor (mortgagee) creates the mortgage. The ownership and use rights of the house remain unchanged during the mortgage period. The documents that should be submitted when mortgaging an existing house are:

(1) If the mortgagor is an individual, 2 copies of the real estate mortgage registration application form should be submitted; the house ownership certificate, the house ownership certificate and the land use right certificate Original and 2 copies each; original identity certificate and marriage certificate of the mortgagor and his spouse, 2 copies each; original identity certificate or business license of the guaranteed person, 2 copies each; recognizance letter; proof of the value of the mortgage; 2 main contracts; 4 mortgage contracts. In addition, if it is a partial mortgage, the original and two copies of the mortgaged building area should be provided; if collective land is involved, the original and copy of the certificate that the township government or village committee agrees to the mortgage should be provided.

(2) If the mortgagor is an entity, 2 copies of the real estate mortgage registration application form should be submitted; the original and 2 copies of the house ownership certificate, house ownership certificate, and land use right certificate; the mortgagor, The original business license of the guaranteed person and 2 copies each; the original identity certificate of the mortgagor's legal representative and 2 copies; the original identity cards and letters of introduction or power of attorney of the mortgagee, mortgagor and the person handling the guaranteed person. Photocopies; proof of the value of the collateral; 2 copies of the main contract; 4 copies of the mortgage contract; the original and copy of the document (referring to foreign-funded enterprises and joint-stock enterprises) stamped with the company's official seal that the board of directors or shareholders' meeting approves the mortgage; stamped with the company's labor union or company The original and photocopy of the official seal of the document approved by the Workers' Congress for the mortgage (referring to collective enterprises); the original and 2 photocopies of the state-owned assets approval document (referring to state-owned enterprises).

One thing that mortgagors should note is that if the mortgaged house was originally a commercial house, the land use right certificate does not need to be provided; if a public house has been purchased and a mortgage is set, the listing admission notice of the purchased public house and the personal purchase cost should be provided Payment calculation sheet.

How to apply for mortgage for projects under construction?

The mortgage of the project under construction refers to a loan for the mortgagor to obtain the funds for the continued construction of the project under construction. The land use rights obtained by the mortgagor in a legal manner together with the investment assets of the project under construction are mortgaged to the mortgagor in a manner that does not transfer possession. The lending bank acts as a guarantee for repayment. The documents that should be submitted when applying for the mortgage of a project under construction include: 1 application form for mortgage registration of a project under construction; the original and copy of the state-owned land use rights; the original and copy of the construction project planning permit; the original and copy of the master plan and floor plan 2 copies; the original and copy of the commercial housing pre-sale permit; the original demolition and resettlement certificate of the municipal demolition office, and 2 copies; the original business license of the mortgagor, the mortgagee, and the guaranteed person, and 2 copies each; the mortgagor's legal Original and copy of the representative’s ID card; ID card and introduction letter or power of attorney of the three parties handling the mortgagor; 2 copies of the loan contract; 4 copies of the mortgage contract for the project under construction; evaluation report or other proof of the value of the mortgage; stamped with the company The document with the official seal of the board of directors or the general meeting of shareholders agreeing to the mortgage (referring to foreign-funded enterprises and joint-stock enterprises); the document with the official seal of the enterprise's trade union or the workers' congress agreeing to the mortgage (referring to collective enterprises).

How to apply for mortgage of home buyers’ rights?

Mortgage of the buyer’s rights (mortgage off-plan loan) means that after the buyer pays the first stipulated house price, the lending bank will pay the remaining purchase price on his behalf, and the buyer mortgages the commercial house he purchased to The lending bank acts as a guarantee for the repayment of the loan.

When applying for loan mortgage registration for purchasing commercial housing (off-plan housing), the following documents should be submitted:

(1) If the mortgagor is an individual, 2 copies of the mortgage registration application form for housing purchase should be submitted; the mortgagor and The original and 2 copies of the spouse's identity certificate and marriage certificate (if unmarried, the certificate of unmarried status); 2 copies of the commercial housing pre-sale contract (certificate of handover of the existing house); the irrevocable guarantee letter of the development enterprise or the guarantee contract signed with the lender; Originals and copies of invoices or receipts for the property price paid and bank statements; 2 copies of the main contract; 4 copies of the mortgage contract.

(2) If the mortgagor is an entity, 2 copies of the house purchase mortgage registration application form; 2 copies of the mortgagor’s business license; 2 copies of the mortgagor’s legal representative’s ID card should be submitted. 2 copies of the mortgagor’s identity card; 2 copies of the commercial housing pre-sale contract (certificate of purchase of the existing house); 2 irrevocable guarantee letters from the development company or the guarantee contract signed with the lender; invoices or receipts for the property price paid And the original and copy of the bank invoice; 4 copies of the mortgage contract; the original and copy of the document of the board of directors or shareholders' meeting approving the mortgage (referring to foreign-funded enterprises and joint-stock enterprises) stamped with the company's official seal.

How to apply for mortgage extension registration?

Mortgage extension registration means that when the debtor (mortgagor) cannot perform and pay off the debt in accordance with the original loan contract, both parties agree to extend the mortgage period and request the registration authority to extend the mortgage period. To register for mortgage extension, you should submit the application form for mortgage extension registration, the original mortgage contract, the house ownership certificate, and other rights certificates. If the property is a private property, you should also provide the "Real Estate Mortgage Letter" signed by the mortgagor and his wife. State-owned enterprises must have an approval document from the State-owned Assets Supervision and Administration Bureau agreeing to the extension; foreign-funded enterprises or joint-stock enterprises must have a statement of approval of the extension by the board of directors or shareholders' representative meeting with the company's official seal; collectively owned enterprises must submit a declaration of approval of the extension by the workers' congress.

How to register a mortgage change?

Registration of mortgage change refers to the registration carried out by the two parties to the mortgage when the creditor's rights or mortgage rights are transferred during the performance period of the contract, or the subject matter of the mortgage is replaced during the mortgage period. Mortgage change registration includes registration of change of mortgage subject matter, registration of mortgage transfer of house under construction, registration of change of mortgage parties, and registration of transfer of off-plan mortgage to house mortgage. The documents that should be submitted when applying include: change registration application form; 4 mortgage change contracts or supplementary contracts; other documents should be received according to the above types of mortgage registration.

How to handle mortgage cancellation registration?

Mortgage cancellation registration refers to an act in which both parties to the mortgage have fulfilled their debts as agreed and the two parties to the mortgage apply to terminate the mortgage relationship.

When handling mortgage cancellation registration, a mortgage cancellation registration application form and the original mortgage contract should be submitted. If the original house is mortgaged, other rights certificates, house ownership certificates, ownership certificates or mortgage-registered pre-sale contracts should be submitted; for mortgages on completed projects, You should also submit the "Construction Project Planning License", "State-owned Land Use Certificate", and "Commercial Housing Pre-Sale License"; if the property purchase loan rights are mortgaged, you should submit the "Commercial Housing"

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