Personal Housing Mortgage Registration Process (Version 20 10)

First, the submission materials (except the description, the others must provide the original):

1, Application Form for Registration of Real Estate Mortgage in XX 2, Property Ownership Certificate and Property Ownership Certificate. 3 state-owned land use certificate (original inspection, copy); If the mortgagee is a unit, submit the Business License; 4. Document retrieval results prove 5. If the mortgage contract and the secured master contract are registered for mortgage change, the house ownership certificate, mortgage contract or mortgage change agreement shall be submitted. 6. The identity certificate of the mortgagor (check the original and receive a copy); 7. Power of attorney and identity certificate of the client (check the original and get a copy, and the power of attorney must have the entrusted matters, the signature of the legal representative and the official seal of the unit). 9. Proof of real estate appraisal results or confirmation of both parties' values. If the private property of the housing reform is mortgaged, a valid marriage certificate of the mortgagor shall be submitted and both husband and wife are present; Second, the program:

Application → Acceptance → Audit → Registration → Certification.

Three. Time limit for processing: from the day after acceptance 1 working day.

4. When the mortgage relationship is terminated, the parties to the mortgage shall go through the mortgage registration cancellation procedures with the following materials to the original registration authority within 15 days from the date of termination.

1, house ownership certificate 2, house ownership certificate, house ownership certificate or receipt certificate 3, application for cancellation of registration of real estate mortgage (with the official seal of the mortgagee and the signature of the trustee) 4. If the property is mortgaged by private saving, the mortgagor's spouse's ID card, marriage certificate, power of attorney or the presence of both husband and wife shall be provided at the time of cancellation. Power of attorney (with entrustment)

Verb (abbreviation of verb) matters needing attention

1. If the mortgagor is a resident of Hong Kong, Macao and Taiwan or a foreign citizen, he/she shall submit his/her Hong Kong and Macao resident ID card and Mainland Pass; Residents of Taiwan Province Province submit their ID cards and Mainland Pass; If you are a foreign citizen, you need to submit a Chinese notarization notarized by the local notary office (certified by the Ministry of Foreign Affairs or its authorized agency and the Chinese embassy (consulate) in that country). 2. The parties concerned shall go through the formalities in person. If the parties are unable to go through the formalities in person, they shall submit the notarized power of attorney (original 1 copy) or the power of attorney signed on the spot and the identity certificate of the agent (check the original and get a copy). 3. The purchased commercial houses (excluding detached villas), affordable housing and housing reform houses may not submit the state-owned land use certificate for the time being. 4. The mortgagee is a foreign-funded financial institution and cannot issue the original business license and financial license. If the mortgagee is a non-financial institution enterprise legal person, the original business license shall be submitted, and a copy stamped with the official seal shall be obtained after checking the original. 5. To apply for the registration of the change of the maximum mortgage, the certification materials that the creditor's rights secured by the maximum mortgage have not been determined shall also be submitted. Where an application for registration of change is made due to the change of the maximum amount of creditor's rights and the determination period of creditor's rights, the written consent documents of other mortgagees shall also be submitted. 6. Before the creditor's rights secured by the maximum mortgage are determined, the maximum mortgage is transferred and the maximum mortgage transfer registration is applied. The transferor and transferee shall submit the Application Form for Registration of Real Estate Mortgage in XX City, the applicant's identity certificate, his property right certificate and the certificate of maximum mortgage transfer; To confirm the creditor's rights secured by the legally registered maximum mortgage, and apply for the maximum mortgage registration confirmation, the application form for real estate mortgage registration in XX City, the applicant's identity certificate, the house ownership certificate and the certification materials for the maximum mortgage confirmation shall be submitted. 7. To apply for real estate pawn mortgage registration, a pawn contract and a real estate pawn mortgage contract shall be submitted. 8. If the party is a minor, proof of relationship with the legal guardian (such as household register, birth certificate, one-child certificate, etc.) shall be submitted. ) and the identity certificate of the legal guardian; A letter of guarantee is required (the guardian signs to ensure that he is qualified for guardianship and disposes of the minor's property for the benefit of the ward).