Real estate development qualification needs which title certificate?

A real estate development qualification needs which title certificate?

The real estate development qualification needs the following title certificates of personnel: First, two intermediate title certificates of engineering. One each of intermediate title and junior title in the financial category. One each of the professional title of economic and statistical categories. That is, the total **** need five professional and technical title personnel certificate. The above is a newly established real estate development enterprises to apply for the temporary level of development qualification required certificate.

Two, mortgage house loan water is not enough how to do

Processing house mortgage, bank water is not enough how to do?

When applying for a house mortgage, the bank needs the borrower to provide the appropriate bank current to prove the borrower's repayment ability.

Only enough um repayment ability, can show that the bank lends money down, have the ability to pay back, will not be a risk.

Case study in September this year, a customer, for the Shenzhen housing mortgage, provided by the flow of water is not enough, the market value of 10 million house, red book house, was able to loan 7 million, the results of the bank only approved to the customer 5.8 million. The bank current water is not enough to prove enough repayment ability, so the loan will be greatly discounted.

In general, the bank current water is not enough how to do?

1. Increase *** with the borrower for home mortgage, usually with the family and the company as *** with the person, so you need to provide the husband and wife's bank water, or the company's bank to come to increase the *** with the flow of water. If you are unmarried, you can have your parents as ****borrowers to increase the flow

2. A few months ahead of time to go more of their own bank water know that you want to do a house mortgage, a few months ahead of time to go up their bank card flow, more than a few strokes.

3. Provide proof of assets to provide the bank with proof and documents of what they have before, such as factories, equipment, stocks, funds, etc., to prove that they have the ability to repay the loan.

4. Through the loan intermediary and guarantee of the company to deal with the bank mortgage encountered insufficient water, usually to find the loan intermediary and guarantee, because these companies and the bank often work, usually strong, to them to deal with the rest assured.

So that when dealing with home mortgages when encountering problems that can not be solved, looking for a third party, their own come to waste time, but also can not be done.

Third, if you do not pay off the loan when you buy a house can you get a mortgage?

Mortgage loan is the home buyer to buy a home as a mortgage and by the real estate business of the real estate business of the purchase of housing to provide a stage guarantee of real estate business to provide a stage guarantee of personal housing loan business. Mortgage loans in people are most concerned about the conditions and procedures, the first information provided: 1, the applicant and spouse (such as the applicant and spouse do not belong to the same household needs to be accompanied by another proof of marital relations). 2, the original of the purchase agreement positive payment receipts and a copy of each. 4. Proof of applicant's family income and relevant asset certificates, including pay slips, personal income tax payment slips, income certificates issued by the organization, bank deposit slips, etc. 5. 1 copy of the developer's collection account number. Its loan procedures and programs are like this. First of all, please go to the bank to understand the situation. And handle the relevant with all the above information to apply for a personal housing loan. Then accept the bank to review you and determine the loan amount. Next, you can apply for the loan contract, and the bank on behalf of the insurance. The title mortgage registration and notarization. Finally, you are left with the monthly repayment and the deregistration of the loan after the principal and interest have been paid off. After the above formalities and processes, you can get a new house through the mortgage. Through the reporter above you should be, and understand the relevant matters for the loan, hope that the mortgage this key to open more belong to you, me, his new house door. How to apply for a mortgage loan home buyers? Building mortgage in the United States, Japan, Singapore, Hong Kong and other places is quite common, has become widely popular in developed countries and regions of a way to finance the purchase of buildings. In China, mortgages have only been introduced in recent years. In the real estate market to provide mortgage property sales performance is significantly better than other properties. Home buyers for Building mortgage specific procedures are as follows: (1) choose the property buyers who want to get a building mortgage services, in the selection of real estate should focus on this aspect of the content. Buyers in the advertisement of some projects can handle mortgage loans, but also to further confirm the developer to develop and build the property is supported by banks to ensure the smooth acquisition of mortgage loans. (2) Handlers in the confirmation of their choice of support, should be to the bank or the bank appointed law firm to understand the provisions of the bank mortgage loan support, to prepare the relevant paragraph Application Form ". (3) Signing of the purchase contract The bank receives the purchaser's legal documents, and after reviewing and confirming that the purchaser meets the conditions of the mortgage loan, it sends the purchaser the same commitment letter. The purchaser can then sign a "contract for the pre-sale and sale of commercial real estate" with the purchaser. (4) signed building mortgage contract buyers in the signing of the purchase contract, and get the proof of payment, holding the bank regulations of the relevant legal documents with the developer and the bank signed a "building mortgage loan contract" clear mortgage loan amount, period, interest rate, repayment methods and other rights and obligations. (5) for the mortgage bank holding "building mortgage loan contract" and the purchase contract to the Department of Real Estate Management period, after the completion of the change should be registered as a mortgage. In general, due to the mortgage loan period is relatively long, the bank in order to prevent the loan risk, require homebuyers to apply for life and property insurance. The purchaser should purchase the insurance, which should list the bank as the first beneficiary, the insurance should not be interrupted during the loan fulfillment period, and the insurance amount should not be less than the total value of the mortgage. The insurance policy shall be placed in the bank's custody until the principal and interest of the loan are repaid. (6) Opening of a special repayment account After signing the Building Mortgage Loan Contract, the purchaser shall, according to the contract, open a special repayment account at the financial institution designated by the bank and sign a power of attorney to authorize the institution to pay the bank the principal and interest of the loan and the arrears of the loan in relation to the mortgage loan contract from the account. The bank, after confirming that the purchaser meets the conditions of the mortgage loan, fulfills the obligations agreed in the Building Mortgage Loan Contract. And after going through the relevant procedures, a one-time transfer of the loan into the bank supervision account opened by the developer in the bank, as the homebuyer's purchase price Buying a house to pay the full amount or run a mortgage? After choosing a house, the next problem encountered is payment. Not all buyers can come up with the full amount of the house, so there is a loan to buy a house, or called mortgage to buy a house, spend tomorrow's money to fulfill today's dream. The three main advantages of paying the full amount 1. Paying the full amount saves money Although the first payment is more money, but from the point of view of the total amount of the purchase of the house, it can be exempted from all kinds of fees, bank interest and so on. And because it's a one-time payment, you can bargain with the developer and further save money on the purchase. 2. Debt free and light Payment of full payment for the purchase of a house later no financial pressure, because the buyer can no longer worry about the house payment, from the arrangement of the future financial plan. It also saves time by eliminating the need for any credit checks, which can be done today. 3. Easy to resell From the investment point of view, pay full payment to buy the house and then sell convenient, do not have to be subject to the constraints of the bank loan, once the price of housing rises, turn to cash fast, easy to exit. Even if you don't want to sell, if you have financial difficulties, you can still mortgage the house to the bank. The two disadvantages of paying full payment 1. capital pressure if not abundant funds, after all, a one-time investment is very large, perhaps affecting the consumer's other investment projects. 2. High investment risk Unless there is a considerable understanding of their real estate projects, including the quality of construction, developer technology and financial strength, etc., the need for home buyers to have a considerable level of technical expertise, ordinary people can not be achieved. The three main advantages of doing mortgage 1. spend tomorrow's money to fulfill today's dream Mortgage is the generation of money, that is, to borrow money from the bank, the purchase of a house does not have to spend a lot of money immediately can buy their own house, so the first advantage of mortgage home purchase is that less money can buy a house. 2. the limited funds for a number of investments from the investment point of view, the mortgage buyers can separate the funds to invest in the loan to buy a house for rent, rent to support the loan, and then invest, so that the use of funds is flexible. 3. Banks are your gatekeeper The loan is borrowed from the bank, so the merits of the real estate project bank naturally concerned, the bank in addition to the review of your own, but also you will review the developer, for your gatekeeper, the natural insurance is high. The disadvantages of doing mortgage 1.carrying debt Speaking of disadvantages, first of all, psychological pressure, because the traditional habits of the Chinese people do not allow the cinch, talking about saving, so the loan to buy a house for the conservative type of people is not suitable. And the fact that home buyers do carry heavy debts is not easy for anyone. 2. It is not easy to liquidate quickly Because the loan is secured by the property itself, it is difficult to re-sell the house, which is not conducive to the home buyer's exit from the market.

Four, Shenzhen real estate mortgage bank qualification is not enough how to do?

The so-called qualification on the current words is mainly: personal credit problems, bank current problems, the use of funds problem, the age of the problem, the age of the lender problem, as long as not all the problems are not if you can solve!