But the following conditions must be guaranteed: after the first-class real estate license is pawned, it can no longer be pawned to others, and then it can no longer be sold. If there is a dispute, it can ensure its best interests.
So what conditions should we attach great importance to the real estate license lending?
1. The mortgaged property must have been repaid.
For a house with full property rights, some users want to apply for a house pawn loan, but their house is still being repaid. Now the house has been pawned in the bank, and the loan can only be pawned after it is repaid. Similarly, there are rural homestead houses that have not been changed into units with their own property rights, and so on.
2. The loan interest rate of house pawn loan is higher than that of general mortgage.
Buyers who have taken out mortgages know that banks generally give preferential interest rates of 15% or even 30% to users who buy houses with loans for the first time. However, regarding the mortgage loan, whether the borrower is the first suite or not, the benchmark interest rate generally rises 10%.
3. The loan ratio of house pawn loan is low.
As far as the general mortgage is concerned, the maximum loan can reach most of the appraisal quotation of the house, but now the maximum loan ratio of the bank's mortgage loan can only reach 70%. Some banks, such as China Bank, are determined according to the age of the house: 70% appraisal quotation for less than five years, 60% appraisal quotation for 10, and 50% appraisal quotation for 10 -20 years.
4. Housing pawn loans have provisions for housing.
As for the house, different lots, different ages, different areas and different maintenance levels will all affect its value. Therefore, the bank will have clear regulations on the house pawned by the borrower.
5. Need to use mortgage loan.
In addition to buying a house, you can also get loans for production and operation through house pawn, such as buying a car and studying abroad. Different banking rules are different, but no matter what the purpose, the borrower can't change it without authorization. For example, when you take out a loan, you say you want to use it to buy a house, and then you get the money to open a factory. Once the bank discovers this practice, it will have the right to recover the loan.
The above aspects are the requirements for Bian Xiao to ensure the real estate license to meet when preparing real estate pawn loans, and the state severely cracks down on criminals who exploit legal loopholes. There is a great difference between real estate license pawn and real estate pawn, so we need to keep in mind several matters needing attention in real estate license pawn.