Do I Need a Pre-Approved Mortgage?

The mortgage registration fee is that the mortgage lender goes to the Housing Management Bureau to go through the housing mortgage loan formalities, and pays a certain service fee to the Housing Management Bureau when it is processed, namely the mortgage registration fee. According to Ganfangfangzi (1999) No. 8 document, residential: mortgage, its entitlement registration is 80 yuan (set); non-residential mortgage is 0.4% of the mortgage amount. Jiangxi Provincial Price Supervision and Inspection Bureau (2008.12.11) clearly stipulates that the owner's mortgage mortgage standard for housing is 80 yuan per set.

Mortgage registration fee

Right!

Chinese name: Mortgage registration fee
Pinyin: d y dng jì fèi

Application range: Buying a house, buying a car, investing, etc.
Types of: service fee

The mortgage registration fee mentioned here refers to the mortgage registration fee. The mortgage registration fee is

Real estate mortgage registration

I. Documents to be submitted ( all copies must be copied using A4 paper and original verification provided ) :

(I) Mortgage Registration / Mortgage Change Registration

1. Proof of applicant's identity.

(1) If it is an individual, provide a copy of identity certificate (the ID card must be copied on both sides, the same below);

(2) If it is an enterprise, provide a copy of the industrial and commercial business license (confirmed with the official seal of the company), the "Organization Code Certificate" and the code IC card or digital certificate (individual industrial and commercial households without a basic bank account may not provide it), legal representatives Certificate of identity of the person or person in charge, industrial and commercial enterprise inquiries, and articles of association of the company;

(3) If it is a state organ, public institution or community organization, provide a copy of the organization code certificate or a document approved by the government (confirmed with the official seal), and a certificate of identity of the legal representative or person in charge;

(4) If the applicant is a minor, provide the original and photocopies of the certification documents (including the household registration book, birth certificate, marriage certificate, etc.) to prove the guardianship relationship, and the photocopies of the identity certificates of all guardians;

(5) If an individual entrusts an agent to another person, he must provide the original notarized or authenticated power of attorney and a copy of the personal identity certificate of the agent;

(6) If the agent is not entrusted by an individual, the original power of attorney signed by the legal representative or person in charge and stamped with the official seal, and a copy of the identity certificate of the authorized agent shall be provided;

(7) Identity certificates and related documents submitted by overseas individuals, enterprises or organizations (including Hong Kong, Macao and Taiwan regions) must be notarized or authenticated according to regulations, and Chinese translations must be provided. (See Reminder 2 for notarization or certification)

2. Fill in the "Application Form for Registration of Real Estate Mortgage" or "Application for Registration of Change in Real Estate Mortgage" (provided by the Office of the Licensing Office).

3. Mortgage contract (foreign and Hong Kong, Macao and Taiwan contracts must be notarized by the notary office where the real estate is located).

4. Real estate rights certificate (with photos), the real estate of the joint venture must provide proof that other co-owners agree to mortgage.

5. Written information (evaluation report or value confirmation) that can prove the value of the mortgaged real estate. Allotment of state-owned land must be assessed and confirmed by the Marketing Division of the Land Bureau.

6. If the mortgagor is a Chinese-foreign joint venture, cooperative enterprise, wholly foreign-owned enterprise, and limited liability company or company limited by shares, it shall be submitted to the board of directors or shareholders' meeting for resolution.

7. If state-owned enterprises and institutions are mortgaged by state-owned real estate, they must submit approvals from the Municipal Finance Bureau or the Public Funding Office.

8. Mortgages of real estate owned by collectively owned enterprises must be submitted to the competent authority for approval.

9. If the rural collective economic organization mortgages real estate, more than two-thirds of the villagers 'meeting members or villagers' representatives must agree to the written materials.

10. Mortgage of attachments must provide the notification of construction approval and the original and photocopy of the construction project planning permit, and the floor plans of the attachments must be signed and sealed by both parties.

11. If the house is mortgaged by the housing reform, the original and photocopy of the marriage status certificate (marriage certificate, divorce certificate or unmarried certificate, etc.) must be submitted, and both husband and wife should jointly apply for it.

12. If an enterprise or unit mortgages a non-industrial land for business use (pure open space), it must submit a certificate confirmed by the Construction Bureau that it has not gone through the Commercial Housing Pre-sale Permit.

13. If the temporary building is not included in the mortgage range, a certificate issued by the urban construction department that is determined to be a temporary building or the written statement of the parties that the temporary building is not included in the mortgage range must be submitted.

14. If the mortgagee is a foreign bank or company, it is necessary to submit the inquiry information of Industrial and Commercial Enterprises of Recent.

15. Other documents deemed necessary by the registration authority.

(2) Cancellation of mortgage registration / loss and replacement of other warrants

1. Cancellation of mortgage can be applied by the mortgagee unilaterally; the loss and replacement of other warrants can be applied by both parties of the mortgage. For the applicant's information, refer to the first point of item (1).

2. Fill out the "Application Review Form for the Registration of Real Estate Mortgage Cancellation Registration" or "Application Review Form for the Cancellation of Other Ownership Warrants" or "Application for Registration of Real Estate Mortgage Change Registration" (provided by the Issuance Office).

3. Real estate rights certificate.

4. Certificate of other rights in real estate.

5. If the court compulsorily cancels, it shall submit the original and photocopy of the effective judgment, ruling, mediation and notice of assistance in enforcement.

6. If you apply for the replacement of another warrant, submit a written application.

7. Other documents deemed necessary by the registration authority.

Registration procedures

Applicant submits application information Registration department review Applicant's payment receipt

3. Working time limit:

It will be completed within 5 working days from the date of receipt.

4. Approval conditions:

1. Complete application materials.

2. The ownership is clear and there is no dispute.

3. There are no cases of seizure or other mortgages.

4. Comply with relevant laws and regulations.

V. Reminders:

(1) Mortgage registration for collectively transferred land shall be handled as state-owned land.

(2) Hong Kong, Macao, Taiwan and foreign countries apply for notarization or certification as follows:

1. Hong Kong: Notarized by a Hong Kong lawyer authorized by the Ministry of Justice of the People's Republic of China, and processed by the China Legal Services (Hong Kong) Limited in Shenzhen Office

2. Macau:

(1) Notarized by the Foreign Affairs Department of the Xinhua News Agency Macao Branch or the China Legal Services Department of the China Travel Service (Group) Co., Ltd. or the China Legal Services (Macau) Company.

(2) The relevant certification documents and notarization documents issued by the Civil Registration Department and Notary Department of the Macao Government do not require authentication.

3. Taiwan: It must be notarized by the Taiwan notary office where the company is registered or the individual's place of residence, and transferred to the Guangdong Provincial Notary Public Association for relevant certification procedures before passing through the Taiwan Strait Foundation (Sea Foundation).

4. Foreign: A country not affiliated with diplomatic relations after being notarized or certified by our ambassador or consulate (agent) in that country (region) should be in that country through a third country that has diplomatic relations with China and that country (region) Notarization or certification of the embassy or consulate of the country.

(3) Where the submitted application materials [including identity documents, notarization certification documents, etc.] contain foreign languages, a Chinese translation issued by a translation company with foreign language translation qualification shall be provided separately.

6. Mortgage registration is not allowed for the following real estate:

1. Unknown or disputed real estate.

2. Real estate for public welfare undertakings such as education, medical treatment, and municipal administration.

3. The buildings listed in the protection of cultural relics and other buildings with significant commemorative significance.

4. Real estate that has been included in the scope of demolition according to law.

5. Real estate that has been sealed up, seized, supervised or restricted in other ways according to law.

6. Collectively owned land, such as cultivated land, house sites, self-reserved mountains, and self-reserved land, except those required by law or mortgaged.

7. Other real estate that cannot be mortgaged according to law.

7. Charge items:

1. Land registration fee:

A. Party and government agencies and organizations: 200 yuan / case below 2000 square meters, plus 25 yuan / case per 500 square meters (up to 700 yuan);

B. Enterprise: 100 yuan / case below 1000, plus 40 yuan / case within 500 (up to 40,000 yuan);

C. Institutions: 300 yuan / case below 5000 square meters, plus 25 yuan / case per 500 square meters (up to 10,000 yuan);

D. Urban residential housing: 13 yuan / case below 100 square meters, plus 5 yuan / case within 50 square meters (up to 30 yuan);

2. House ownership registration fee:

A. Housing ownership registration fee: 80 yuan / set;

B. Non-housing ownership registration fee: 550 yuan / case

3. Land registration certificate fee:

Other land warrants: 20 yuan / copy

4. Stamp duty (collected on behalf of the tax bureau): 5 yuan / case

5. Real estate property right certification fee (archive fee)

Calculated according to the real estate area: RMB 10-50 per case within 150 square meters; maximum 200 yuan per case from 150 square meters to 300 square meters; maximum 300 yuan per case from 300 square meters to 800 square meters; maximum 400 yuan from 800 square meters / Zong. ^[1]

After buying a house, when the bank applies for a home purchase mortgage loan, it must go to the housing management department to register the mortgage of the pre-purchased commercial house according to the requirements. So who should pay for this fee? The reader, Mr. Lu, reported to this newspaper that he bought a non-residential LOFT property and applied for a mortgage loan from a commercial bank. The bank staff charged him a mortgage registration fee of 1,100 yuan.

A. Mortgage registration fee, most banks require buyers to pay

The reporter inquired about the "House Registration Measures" of the Ministry of Construction. According to the regulations, if the purchase of the off-plan house is completed, there are two links in the process of generating the mortgage registration fee: One is after the purchaser signs the pre-sale contract for the commercial house. When applying for a mortgage, the bank and the loan bank will jointly apply for advance registration of the mortgage of the pre-purchased commodity house, and at this time, an advance registration fee of 80 yuan / piece (non-residential is 550 yuan / piece) will be incurred;

The second place is that after the completion and delivery of commercial housing, buyers need to apply for registration of the mortgage of the house with the loan bank. At this time, a registration fee of 80 yuan / piece (non-residential is 550 yuan / piece) is incurred.

What Mr. Lu wants to figure out is who should bear these two costs?

"So far, Hangzhou's relevant departments have not clearly stipulated who pays for housing registration fees," said a staff member of a Hangzhou commercial bank.

As a buyer, the reporter consulted with the credit departments of major banks including ICBC, Agricultural Bank of China, China Construction Bank, Bank of China, Minsheng and Pudong Development Bank, and learned that the situation is almost one-sided-most of the buyers pay the cost of mortgage registration.

B. It is more reasonable for this fee to be paid by the bank

In fact, for a mortgage loan house, who pays the mortgage registration fee is clearly specified. Last year in April, the National Development and Reform Commission and the Ministry of Finance issued a "Notice on Regulating the Relevant Issues Regarding the Charging Method and Charge Standards of House Registration Fees" (hereinafter referred to as the "Notice"), in which Article 5 clearly states that "the house registration fee shall be charged to the applicant , But the joint application by both parties in accordance with regulations can only be collected from the party registered as the owner of the house .

In the two mortgage registration procedures, the home buyer and the loan bank should be a "joint application", and in the "mortgage contract" signed by the home buyer and the loan bank, the right holder is usually the bank.

"Notice" Last year was released and reposted in April. Why do most banks in Hangzhou still let buyers pay the cost?

C. Who pays for it and whether it should be clearly stated

From Last year to April of this year, 33,541 commercial houses were sold in the main urban area of Hangzhou. Even if all the houses were assumed and 80% of them were mortgage-purchased, a mortgage registration fee of 160 yuan was generated for each house, and many buyers had at least assumed 5.367 million registration fee. Most homebuyers were inexplicably passed on this cost that should not have been borne by them without knowing it.

During the interview, some in the industry also said that the mortgage registration fee of 80 yuan / piece is not high, and it is mostly borne by the buyers because "the real estate authority has not explicitly requested", so each bank has its own approach. Regulating the housing registration fee billing method and standard was originally designed to reduce the burden on buyers. Since there are relevant regulations already in place, why not make it clear?

Do I Need a Pre-Approved Mortgage?

Mortgage registration fee

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