1, the property mortgage contract is generally the maximum amount.
2. The term can be 3 to 5 years.
You can check when the contract expires. You have no right to cancel the contract in advance.
4. Whether the real estate mortgage has been registered in the real estate department can be inquired at the real estate management office. If the mortgage contract is not registered.
Second, how to apply for a bank loan with a real estate license?
Procedures: 1. Preparation materials, including husband and wife ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account in the last six months; 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. Three, the borrower will mortgage property ownership certificate and insurance policy or securities to the bank custody. Four, the borrower and the guarantor signed a housing mortgage loan contract and notarized. Five, after the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the housing units or housing units specified in the purchase contract or agreement. Conditions for mortgage of real estate: the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgage; The house age (calculated from the date of completion of the house) shall not exceed 40 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor and his spouse or other property owners to sign the materials that the lender needs to submit. The materials that the borrower needs to provide are: ID card and household registration book; Personal income certificate (stamped with the official seal of the unit); Copy of the business license of the unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; The original and photocopy of the house ownership certificate and the original house purchase agreement; The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use. Different types of houses need to prepare different materials, as follows: 1. Existing home mortgage. (1) Real estate mortgage contract (signed by both husband and wife). (2) real estate license. (3) Copy of land use right certificate (original inspection). (4) A real estate appraisal report issued by a qualified appraisal agency. (5) Bank loan contract. (6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles. 2. Faster mortgage. (1) Purchase pre-sale contract. (2) Sign a house purchase loan contract with the bank. (3) Copy of the house purchase prepayment receipt (original inspection). (4) A copy of the marriage certificate of husband and wife (original inspection), a certificate issued by the civil affairs department where the household registration is located.
3. Can others handle the loan business with my real estate license and ID card?
Why do you want someone else to handle the loan business with your real estate license and ID card? Your heart is really big. Even if the other party can't handle business, you will have endless troubles as long as you move a little bit. The certificate is lost and can't be replaced. It's no trouble to make it up. Let's just say, if the loan business can be done, who borrowed the money and who paid it back? Is the other party going to take your real estate license and ID card to mortgage the bank loan? Then the payer can only be you. If so, I think your head must have been kicked by a donkey.
Fourth, the real estate license goes to the bank to guarantee the loan.
You can get your property back. Now the real estate license can be returned to you after the bank mortgage loan. When the bank helped you with the mortgage loan, it had already registered with the Housing Authority. Your real estate certificate will indicate that your house has been mortgaged to the bank.