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个人房屋抵押流程有哪些？个人房产抵押给个人手续如何操作？

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个人房屋抵押流程有哪些？个人房产抵押给个人手续如何操作？

浏览：67次 | 提问时间： 07-20 04:08

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3个答案

不俗 07-20 04:09

依照我国相关法律法规规定，房产抵押给个人手续有这些：
1、双方签订一份抵押借款协议
2、到房产局办理抵押手续，即办他项权利登记（注明抵押相关事宜）。
3、办好他项权利登记后，贷款人收存它项权证；房产证可以由你持有。
4、对方不需要持有房产证原件，持有它项权证即可。又：房产证原件给他，没有你的授权，他是无法拿房产证原件去再次抵押的。他持有房产证原件，抵押不能生效，办他项权利登记（注明抵押相关事宜），抵押才能生效。

鬧心 07-20 04:25

1、使用权抵押登记就是单位或个人在银行取得贷款，抵押物为房产的，应该连同土地一起进行抵押，或者单独使用净地进行抵押
2、需要到辖区土地登记部门办理抵押登记手续，将使用权抵押给权利人（银行），贷款结清后即可办理撤销手续。
3、原则是不申请不受理。你可以在官网看详细登记流程。期望我的回答能帮到您

我 07-20 04:34

现在房屋国家规定可以办理第二次的他项权证,一个人把第一次抵押给了银行,第二次抵押给了我,并办理了抵押手续.我想知道假如我拿着第二次

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