Does the file go to Tianjin University and technical secondary s
2. Bring your registration card, graation card, degree card and ID card when you check in
3. The employment guidance center is not open on Saturdays and Sundays.
it's better to do specific things in person. I don't know when the policy will change again.. For a moment, there is a new rule
just across from the sports center. If you get off at the cancer hospital, you will arrive at the intersection. After you go in, you can see it directly upstairs
good luck
There is a song called "if we are not crazy, we will be old", and there is an impulse called "a walk on the road". So many people decided to mortgage their house to travel. Is it really that simple
First of all, you need to know what the real estate mortgage consumer loan isfirst, let's briefly introce the mortgage loan. The mortgage loan is the loan that the borrower obtains from the financial institution with certain collateral as the guarantee. Collateral usually includes negotiable securities, State bonds, various stocks, real estate, bills of lading, bills of lading or other documents proving the ownership of goods. When the loan matures, the borrower must repay it in full, otherwise the bank has the right to deal with the collateral as a kind of compensation
as the name suggests, real estate mortgage loan refers to that the borrower applies to financial institutions for RMB secured loans for legal and compliance purposes with the real estate in his or her own name as collateral
No, that is to say, the borrower will mortgage the real estate owned by himself or others (such as relatives, friends and colleagues) to apply for a loan from the bank. The loan can be used for various consumption purposes, such as decoration, car purchase, going abroad, tourism and studying abroad, as well as for various capital turnover and operational purposes. But it can't be used to buy a house
Then, which properties can be used for mortgage loans
at present, the real estate that can be mortgaged by banks and other financial institutions include commercial housing, apartments, public housing purchased through secondary transaction and paid land transfer fee, affordable housing with five years' experience and central proction housing that can be listed and traded
if it can be summed up in a simple sentence, it is "all the real estate that can be listed and traded smoothly can apply for mortgage loan from the bank." But it should be noted that there are also some situations that lead to your house can not apply for mortgage loans, such as the age of the house. If the age of the house is too old, such as the house built before 1980, banks and other financial institutions may not accept it. Specifically speaking, which real estate can not handle mortgage consumer loans
to apply for real estate mortgage consumer loans, first ensure that your house is not in the following categories:
the first category: affordable housing less than five years
return housing is managed as affordable housing, or pure affordable housing. According to the national policy, it is not allowed to be listed for trading if less than five years, and the bank can not obtain other rights certificates, So can't deal with mortgage consumption
the second category: small property right houses without house property certificate
for small property right houses, if the residents do not obtain the house property certificate, they only have the right to use the house property, but no ownership, that is, they can not dispose of the house property, so they can not be traded on the market, can not be mortgaged to the Construction Committee, and can not handle mortgage consumer loans
the third category: purchased public housing without purchase contract
there are two situations in purchased public housing that can not apply for mortgage consumption loan, one of which is purchased public housing that can not provide purchase contract or purchase agreement. Because if the original unit has the preemptive right in the house purchase contract, the bank can not obtain other rights, so the bank can not operate the mortgage consumer loan
the fourth type: the central delivery room without listing certificate can not handle the mortgage consumer loan in the purchased public housing. The other type is the central delivery room without listing certificate. Because such real estate can not be listed for trading, the bank can not obtain other rights, that is, the bank has no mortgage, so it can not operate this business
the fifth category: the second-hand houses with too old house age
the second-hand houses with too long house age and too small house type often do not have the qualification of mortgage loan. Most banks have strict specifications for mortgaged properties. Generally speaking, for properties with an area of less than or equal to 50 square meters and an age of more than or equal to 20 years, banks will find it difficult to realize and mortgage. Of course, if the property is located in a major urban functional area, some properties can apply for loans
category 6: real estate with unclear property right relationship
for example, the property mortgaged by the mortgagor is owned by one person on the surface, but it is actually the real estate jointly developed with others. When the bank applies for mortgage for the real estate with unclear property right relationship, it will first find out the ownership relationship, involving the real estate jointly owned or jointly developed. When handling mortgage registration, it not only requires the ownership to be determined, but also must obtain the written consent of all the obligees or co developers, and file the written consent of all the obligees, and report it to the mortgage registration management department at the same time
the seventh category: commercial housing with outstanding loan? The answer is no, the real estate of mortgage consumer loan must be the real estate without mortgage
if it is a mortgaged property or the property is in the state of mortgage, the bank already has other rights of the property. If the property is mortgaged again, the bank will not allow it. Because two banks can't own the other right of a property at the same time. If the loan has not been paid off, the refinancing is called the credit with the same name, which has been banned by the central bank
other cases of being unable to handle the mortgage consumer loan:
in fact, there are many cases of being unable to handle the mortgage consumer loan. The above just lists some examples that are close to the actual situation of everyone. There are other situations, such as the real estate of public welfare undertakings such as schools, hospitals, state organs, social welfare institutions, religious temples, etc; Military real estate; The real estate that is frozen, detained, supervised or restricted in other forms by the court or national judicial organ; Property to be demolished; Illegal construction or unauthorized construction without the approval of the state planning department and construction department are not allowed to mortgage
(the above answers were published on May 13, 2016, and the current relevant house purchase policies are subject to the actual situation)
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