Mortgage to buy the house, the real book down, just a poor money, can go to the bank mortgage loan?Mortgage house into money making, the appreciation of the house, can not borrow more money?Mortgage a house can"Transfer the possession of2014Years1Month1Day, the new real estate collateral management approach will be formally implemented.

  Yesterday morning9When to10When in Zhengzhou, housing security and the Housing Authority mortgage Office of the relevant person in charge"The river's face to face"For the public, answering questions.

 Q1:

 Mortgage to buy the house, Nadaofangchanzheng can again mortgage?

 YES!But can not be higher than the house mortgage balance

  Mr. Cao last year bought a house in the east,72Million yuan. Now the housing has also left38Million yuan. Now he wants to buy a car, ask, can make two mortgage, credit from the bank out of the money?

 Deputy director of Zhengzhou City Housing Authority mortgage office Zhang Zhizheng said, which are divided into two kinds: one is commercial housing purchased the tickets, not made before the room, not two mortgage;Second is, to get this room, can carry two mortgage for balance. In accordance with the surplus value, i.e.34Million mortgage loans.

  Mr. Cao continue to ask, what is the interest rate mortgage loans now?Zhang Zhizheng said, interest rates charged by banks to take control. Some banks are the benchmark interest rate broke surface, some20%,30%.

  Q2:

  The house has appreciated, can borrow more money?

  NO!Loans can not exceed the amount of the first assessment, in accordance with the loan to value after the appreciation, the previous loans repaid

  Q3:

  There is no real evidence, can apply for mortgage right?

  NO!For gold and silver, must hold the room

  Citizens Mr. Li has bought a house in Zhengzhou5Years, and has been paid in full, also has a formal purchase contract, but has not nadaofangchanzheng. Yesterday he asked on the phone,"This situation can apply for mortgage right?"

Zhang Zhizheng answered, in accordance with the provisions of the new management approach, this situation can not handle the mortgage loan, you must first apply for housing all the warrants to mortgage,"Banks must weigh the risks, therefore the property permits required to provide."

  Q4:

  Mortgage housing transfer, according to the repayment amount before you?

   Ms. Lin citizens recently send their mortgage housing transfer to his brother,"If is the second-hand housing sales, I need a house before the loan repaid, solution postponed to sell, but I just transferred to brother, not real, can apply for transfer to direct it?"

Chen Shubin said, Ms. Lin house transfer is possible, but must make a written application to the transfer of creditor's rights that mortgagee is Ms. Lin's Bank loans.

   Link

  The Housing Authority mortgage too many people?May wish to try the following bank

"For mortgage, the equivalent of the fixed assets into cash flow. Now, more and more people started to mortgaged their homes, to do business or investment."Chen Shubin said, only2013Years1To10In August, Zhengzhou city completed the registration of real estate mortgage14.22Million, the amount of the loan1363.48Billion yuan, mortgage area2950.91Million square meters."Last week was the most fire, the average day there are400A plurality of mortgage business people."Chen Shubin also remind said, Zhengzhou city housing management department in the bank, CCB, ICBC, the provident fund center, Shanghai Pudong Development Bank, Bank of Zhengzhou set the office, people can apply the nearest.

These mortgage bank site office network address and telephone:

  Construction Bank: weft five road and the intersection of three road, two floor construction65525130

  Industrial and Commercial Bank: Agricultural Road and the intersection of three Fortune Plaza ICBC on the third floor65713629

  Bank of Communications: Dongfeng Road and Huayuan Road intersection line69395461

  Provident fund management center: Flowers Road46No.(Provident fund on the third floor of the building67179165

  Shanghai Pudong Development Bank: business outer ring28No.(The Union Buildings, two floor Pudong Development Network67889599

  The Bank of Zhengzhou: business outer ring28No.(The Union Buildings, two floor Zhengzhou bank outlets67881233

  In addition, the Zhengzhou housing management departments also provide door-to-door reservation service: sick pregnant and unable to handle business, may through the telephone booking, there will be door-to-door handle.(Telephone appointment:67889252,67889253.

  Q5:

  Villa, the housing reform of the housing can apply for mortgage loans?

   YES!Don't worry about what the real, is to"Set"As the unit housing mortgage

   Villa, the housing reform of the housing and other special types of housing, can apply for mortgage loans?But mortgage limits, many users are still not clear.

  In this regard, Zhang Zhizheng introduced, villa, the housing reform of the housing mortgage loan contains many kinds of situation, to distinguish between."But to achieve all of the housing, you can apply for a mortgage loan."For example, the measures for the administration of the registration of real estate now, the unit of measurement of the house"Set"In the room, for example, whether the house has several layers, are on the basis of registration, so the mortgage is to"Set"To do the unit, handling.

  Q6:

  Unsecured loans you can trust?

  NO!At the formal qualification for loans

  Some members of the public reflect:"People often come to send advertising, said the three days or five days rapid lending, and no guarantee, this kind of advertising you can trust?"

  Chen Shubin said, and between individuals, institutions mortgage loan can also apply, but there may be some risk. The problems in the advertising mostly conduit company stunt, there is a certain risk, does not exclude the illegal situation. Advised the public to choose a formal qualification of conduit company, to this kind of small advertising not credulous.

   Q7:

   Two loans for"Creditor"Is that OK?

   YES!But should notice before and after the two"Creditor"

  "I want to take the remaining amount of real estate loans a bank to change again, OK?"Mr. Zhang called and asked.

Zhang Zhizheng reply:"This situation can be two mortgage, but in the end the first mortgagee, is Mr. Zhang first loan bank, with priority, and for the two time the mortgage, mortgage should inform the mortgagee and mortgagor two times second mortgage."