Can I apply for a mortgage loan for a real estate in a different place?

1. Can I apply for a mortgage loan for a house in a different place?

(China Merchants Bank) needs commercial houses and commercial houses with clear property rights and strong liquidity as collateral. The following conditions must be met:

The same city outlets must be in the same city and do not accept off-site mortgages.

Do not accept the real estate with appraised present value ≤ 6,543,800+as collateral;

Have a title certificate, clear property rights, can be listed and circulated, and can be mortgaged;

Strong mobility: the building structure is good, with complete facilities and services such as water and electricity, transportation and property management, and there are no problems and troubles, which are not within the scope of government planning;

The age of the mortgaged commercial house is ≤20 years, the age of the loaned commercial house is ≤20 years, and the loan/credit period is ≤30 years.

In principle, commercial housing that has been idle for more than 6 months is not accepted as collateral.

Tips: Regarding whether your property meets the requirements, please contact the local authorities for details.

Second, can I apply for a mortgage loan for a real estate in a different place?

No, actually whether it's a mortgage or not. As long as it is a loan, there are geographical restrictions. Banks or lending institutions generally do not accept such cases of mortgage loans from different places. Because off-site mortgage loans are not only risky, but also increase the cost of applying for loans. At present, banks or lending institutions only handle real estate mortgage loans in service areas.

The property applying for mortgage loan must meet the following basic conditions:

1. The property is located in the service area of the lending institution;

2. Have a real estate license and can be listed and traded;

3. The house age should not exceed 20 years (some lending institutions require it not to exceed 15 years);

4, clear property rights, no debt. Therefore, it is impossible to apply for a mortgage loan for a real estate in a different place.

Although the mortgage of real estate in different places cannot be handled, there is a way to solve the problem of successfully obtaining loans. That is, if your parents or spouse are in the location of the real estate, you can entrust the local bank or lending institution to handle the real estate mortgage loan, but you must provide the entrustment certificate, the real estate mortgage commitment letter and the relevant information needed by the bank.

Whether banks or other lending institutions accept real estate pawn loans, one of the conditions is the necessity of local real estate. If it is a real estate in a different place, you can borrow in the following ways.

1. List the property in someone else's name as pawn.

If you can find a local person who is willing to lend you the property as a pawn, you can also list the property in someone else's name and ask for a pawn loan. However, it is necessary to obtain the approval of the owner of the house, and the owner of the house must list the pledge that recognizes the pawn.

2. Change the way of borrowing.

Most people certainly don't want to pawn their own property and ask for a loan. In this case, you can change the way of borrowing, such as borrowing without pawning. As long as the borrower has a stable job and income, the ability to repay in full and on time, and an outstanding credit record, he can apply for a loan from a local bank or a regular loan company without pawning.

3. Find the lending institution where the property is located to handle the loan.

You can find the lending institution where the property is located to apply for a loan, but it is more troublesome. Because signing a loan contract requires you to personally go to the lending institution to sign it, which will affect your progress.

Third, can you apply for off-site loans for housing mortgage?

Generally, banks will not consider loans mortgaged in different places for three reasons: 1. Mortgage registration shall be handled at the registration authority (real estate bureau) where the property is located. For the first time, mortgage registration requires banking institutions to provide information such as power of attorney, seal and business license to the real estate bureau, and banks will not consider providing these things just because of a loan from a different place, not to mention that the real estate bureau may not handle such off-site mortgage; 2. Since you have a real estate in a different place, the bank will also worry that your operation in a different place will affect the loan management and collection. Banks are not allowed to issue cross-regional loans, and it is illegal to find out the loans operated in different places. Bank staff will also be afraid of punishment. This loan bank will consider the worst plan, and the real estate in different places is not conducive to implementation.

4. Can foreign houses be mortgaged locally?

Real estate mortgage loan conditions:

1,18-a natural person aged 65;

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. There is no illegal act;

4. Good credit information and bad credit records;

5. It can provide effective pledge guarantee of rights recognized by the bank, or it can use legal and effective real estate as mortgage guarantee. Third-party guarantee with compensatory ability;

7. Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

8. The property right of the house is clear and meets the listing and trading conditions stipulated by the state;

9. Real estate can enter the real estate market without any other mortgage;

10. The sum of the house age and the loan application period cannot exceed 40 years;

1 1. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

12, other conditions stipulated by the bank.