Can the real estate license be loaned?
1. Make sure whether your current house has been settled or bought in full, that is, whether the property rights are clear now. If not, it can't be mortgaged again.
2, you can find a bank loan, the process is not too troublesome. You can find an intermediary to do it, or you can go to the bank yourself. First fill in the application form-evaluation-pricing-loan-repayment.
The value of your house is not up to you, and you won't know until the bank's appraisal agency evaluates it.
4. The mortgage loan can only be 50%. Interest rate goes up 10-30%, and mortgage goes down 10-30%.
5, the repayment is the same, also every month, how many years. It depends on which bank you are looking for.
6. It's best to ask the agent to help you. You can also ask the bank directly.
Application conditions for mortgage loan of real estate license
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have a stable occupation and income, good credit and repayment ability;
3. Other conditions stipulated by the bank. Materials required for applying for real estate mortgage loan: identity certificate, household registration book, marriage certificate, income certificate, real estate certificate, assessment report of mortgaged real estate, loan purpose certificate and other materials specified by the bank. Loan proportion, term and interest rate of real estate mortgage loan: the loan amount is determined according to the different loan purposes selected, but generally it does not exceed 60% of the assessed net value of mortgaged real estate; The fixed number of years is generally not more than 20 years; The loan interest rate is subject to the provisions of the People's Bank of China on personal consumption loans.
Mortgage loan process of real estate license
1. Get all the information ready, including the ID cards of both husband and wife? Household registration book marriage certificate? Real estate license? Bank statement of personal account for purchasing contracts or invoices in the last six months
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
Nowadays, many people buy a house by loan, but in this case, we can also get the real estate license, so can we get a loan with this real estate license? The facts are not allowed. The first condition for using the real estate license loan is to cancel the mortgage. There can be no loans, and the property should be completely owned by individuals. Bian Xiao also told everyone about the conditions of real estate license loans and the amount of loans. You can understand them.
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