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房产抵押后,房产证还能留在自己手里吗?

  • 2026-06-17 21:56:19
房产抵押后,房产证还能留在自己手里吗?

车房钱小菜

房产抵押贷款，车抵贷，专业、诚信、靠谱！

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■ 坐标：广州

■房产抵押、车抵贷

还是会有客户问，办理银行房产抵押，可不可以不押房产证。

早10年前办理银行抵押，有可能会把房产证押在银行。
主要是怕：客户拿着房产证继续办理二押等贷款，增加银行的风险。
但现在：
1、手续简单很多了，且数据联网，各种贷款也方便，房产证重新办理也方便；
2、再加上法律也说了办完抵押，房产证你自己收着，银行收的是他项权证；
3、还有，现在的人维权意识也强；
房产证在手也方便办其他一些事，避免每次需要都要跑一次银行。
也就没必要了。
所以：现在办理银行房产抵押，是不押房产证的。
但是，办理过程中是需要出示房产证的。

每个人/企业的资质条件、需求点不太一样，不同银行政策存在差异，添加客服，获取专属贷款方案。

一个好的咨询：可以进行科学合理的规划； 

一个好的方案：节省利息，降低压力，释放活力。

温馨提示：
贷款找中介，要多对比，才能少踩坑。
网贷只是应急过度，短期内要尽快结清或置换。
科学融资，理性借贷，始终保持【收入＞支出】才能避免以贷养贷。
本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  138. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-template/src/template/contract/DriverInterface.php ( 0.86 KB )
  139. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/runtime/temp/cbe9940b986bd319e8e4ad9d69892652.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000944s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001468s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000691s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000677s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001401s ]
  6. SELECT * FROM `set` [ RunTime:0.000565s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001612s ]
  8. SELECT * FROM `article` WHERE `id` = 534354 LIMIT 1 [ RunTime:0.003561s ]
  9. UPDATE `article` SET `lasttime` = 1782885737 WHERE `id` = 534354 [ RunTime:0.001718s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000681s ]
  11. SELECT * FROM `article` WHERE `id` < 534354 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.005374s ]
  12. SELECT * FROM `article` WHERE `id` > 534354 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.007750s ]
  13. SELECT * FROM `article` WHERE `id` < 534354 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.016516s ]
  14. SELECT * FROM `article` WHERE `id` < 534354 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.027540s ]
  15. SELECT * FROM `article` WHERE `id` < 534354 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.023578s ]
0.256418s