放银行抵押：关键证书与流程

中文版

在银行抵押贷款中，关键的证书是“房屋他项权证”。这是一种由房地产管理部门颁发的证书，用于证明抵押人（借款人）已经将其房地产抵押给银行或其他金融机构作为贷款担保。房屋他项权证是银行确定抵押权的关键凭证，也是银行进行风险控制的重要依据。

当借款人向银行申请抵押贷款时，必须提供包括房屋所有权证、身份证、婚姻状况证明等一系列文件。银行在审核这些文件后，会要求借款人将房屋所有权证交由房地产管理部门办理房屋他项权证。这一过程中，房地产管理部门会在房屋所有权证上注明抵押情况，并颁发房屋他项权证给银行。

房屋他项权证的存在，使得银行在借款人违约时，有权依法对抵押的房地产进行处置，以保障银行的贷款安全。同时，房屋他项权证也是借款人履行还款义务的重要保证，因为它确保了借款人在还清贷款前，无法擅自处置抵押的房地产。

英文版

Bank Mortgage: Key Certificate and Process

English Version

In bank mortgage loans, the key certificate is the "Household Property Other Rights Certificate". This certificate is issued by the real estate management department to prove that the mortgagor (borrower) has mortgaged their real estate to the bank or other financial institutions as collateral for the loan. The Household Property Other Rights Certificate is a crucial document for the bank to determine the mortgage rights and is an important basis for the bank's risk control.

When a borrower applies for a mortgage loan from a bank, they must provide a series of documents, including the property ownership certificate, ID card, proof of marital status, among others. After reviewing these documents, the bank will require the borrower to submit the property ownership certificate to the real estate management department for the issuance of the Household Property Other Rights Certificate. During this process, the real estate management department will indicate the mortgage details on the property ownership certificate and issue the Household Property Other Rights Certificate to the bank.

The existence of the Household Property Other Rights Certificate allows the bank to dispose of the mortgaged real estate according to law in case of default by the borrower, thus safeguarding the bank's loan security. At the same time, the Household Property Other Rights Certificate is also an important guarantee for the borrower to fulfill their repayment obligations, as it ensures that the borrower cannot dispose of the mortgaged real estate without authorization until the loan is fully repaid.