Houses without real estate licenses are not eligible for mortgage, so they cannot be used for housing mortgage loans. If you need funds, you can also choose other ways to solve the funding problem. The conditions that the real estate in the real estate mortgage loan needs to meet: there must be a real estate license and a land certificate; No property disputes; Have liquidity; Can be listed and traded and so on.

other

However, the guarantee company accepts unlicensed real estate mortgage. This kind of mortgage is actually pledge. On the basis of signing a contract with the guarantee company, the original purchase contract and payment invoice are pledged to the guarantee company.

Then, the guarantee company guarantees the loan to the bank for you. Accordingly, the guarantee company will charge a guarantee fee of 1.5-3%. Finding a guarantee company to guarantee a loan is the lowest cost.