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房产典当中的常见误区有哪些?

  • 2026-06-05 23:55:41
房产典当中的常见误区有哪些?
房产典当是房地产权利特有的一种流通方式，它是指房地产所有人在一定期限内，将其所有的房地产，抵押给典当行的行为。
房产典当是典当行的一项重要业务，在很多典当行，房产典当也是最核心的业务。对于房产典当，很多人可能的房产典当有所误解，文章带大家一起来了解一下。

01

01

任何典当行都可以办理房产典当？
有人认为，房产典当是典当行的重要业务，任何典当行都可以办理房产典当。
纠错：能进行房产典当的典当行其实是有规定的，并不是任何典当行就可以进行办理业务。根据《典当管理办法》规定，注册资本500万以上才能进行办理房产典当业务。

02

是只要有房产就可以进行典当吗？
有人觉得，典当对于房产的要求比传统金融机构低，因此只要是可以居住的房产就可以典当。
纠错：根据《典当管理办法》规定，只有取得不动产证明登记证明的房产才能进行典当如住宅、商品房、别墅、办公楼、商铺、公寓和经营性用房、厂房、土地。不能办理典当的房产如两证不齐全的房屋、有产权纠纷或法院查封等不具备上市交易流通条件以及偏远地区上市困难的房产。

03

典当期间只有6个月吗？
不知情的人认为，根据《典当管理办法》规定，典当期限，典当期限由双方约定，最长为6个月。因此房产典当期限只有6个月。
纠错：其实，典当期内或典当期限届满后5日内，经双方同意可以续当。典当行会根据实际情况对满期的房产进行续当。

04

到期不赎回，就等于就绝当吗？
有一部分人认为，到了当期而无力赎当，当物即会成为绝当。
纠错：实际上并不是，只要当期一到，当物没被赎走就会成为绝当，此时还有几天的“宽限期”。根据《典当管理办法》规定，典当期限或者续当期限届满后，当户应当在5日内赎当或者续当;逾期不赎当也不续当的，为绝当。实际情况是，当期届满后5日内还没有“任何反应”的，当物才能成为绝当。
大家还有什么要了解的，欢迎来电咨询或者留言告诉我们。

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  1. CONNECT:[ UseTime:0.000400s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000523s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000254s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.003125s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000517s ]
  6. SELECT * FROM `set` [ RunTime:0.000243s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000519s ]
  8. SELECT * FROM `article` WHERE `id` = 526378 LIMIT 1 [ RunTime:0.002562s ]
  9. UPDATE `article` SET `lasttime` = 1782879912 WHERE `id` = 526378 [ RunTime:0.001567s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.002130s ]
  11. SELECT * FROM `article` WHERE `id` < 526378 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001416s ]
  12. SELECT * FROM `article` WHERE `id` > 526378 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000423s ]
  13. SELECT * FROM `article` WHERE `id` < 526378 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.005717s ]
  14. SELECT * FROM `article` WHERE `id` < 526378 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.015529s ]
  15. SELECT * FROM `article` WHERE `id` < 526378 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.003575s ]
0.107330s