Mortgage housing needs to provide real estate license, bank running water, personal credit report, etc. For details, you should consult the local credit cooperatives, but the interest rate of real estate mortgage is generally lower than other guarantees. Respondent: Rongdao. com

Second, what about the mortgage loan of rural housing credit cooperatives?

Houses in rural homesteads can only be mortgaged if they have the right to register and issue property certificates in credit cooperatives or banks. Under normal circumstances, the rural collective land title certificate cannot be mortgaged. According to the regulations, only houses with property certificates or commercial houses with state-owned land can be mortgaged in banks or rural commercial banks.

Third, I used my house photo as collateral to get a loan from the Agricultural Bank of China, and the staff of the credit union asked me for the benefit fee, 800 yuan. Why do I feel breathless?

Dude. Don't be unwilling to listen to what I have to say. I feel as if you lived in the 1960s. What does this society do now? I don't want to ask you for benefits. 800 yuan, not much. In our place, it costs 2000 to treat people to several meals. I have to send some more shopping cards. Don't say how much the house is worth, and don't say anything illegal. As long as the money is paid, it is true now. Don't care too much.

4. Can I get a loan from a rural credit cooperative if I have a real estate license?

If you have a real estate license, you can go to a rural credit cooperative for a loan. Attributes need to meet the following conditions:

1. The property right of the house is clear, it meets the listing and trading conditions stipulated by the state, and it can enter the real estate market without other mortgage;

2. The sum of the house age and the loan period shall not exceed forty years;

3. The mortgaged property is not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

4. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor shall issue a written commitment to the borrower to apply for a loan with his property as collateral, which shall be signed by the mortgagor, the mortgagor's spouse or other property rights holders.