To apply for mortgage loan with real estate license, you need to meet the following conditions: China citizen with legal status, age 18-65 (inclusive), and full capacity for civil conduct; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There are legal and effective collateral certification materials; (such as real estate license, land certificate, etc. ), the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the lending bank.
Problems needing attention in real estate mortgage loan
The personal housing mortgage loan provided by the bank refers to the personal housing loan with the property owned by oneself or others as the mortgage. The basic provisions of banks for such loans are as follows:
The loan amount cannot exceed 70% of the assessed value of the collateral or the value of the house to be purchased, and the bottom is high.
If the house is used as collateral, the service life of the collateral cannot exceed 15 years; If the gatehouse is used as collateral, the service life of the collateral shall not exceed 20 years.
The loan term generally does not exceed 10 year.
The loan interest rate is subject to the individual housing loan interest rate stipulated by the People's Bank of China, that is, if the term is within 5 years (including 5 years), the annual interest rate is 5.31%; The term is more than five years and the annual interest rate is 5.58%.
The loan term is within one year (including 1 year), and the principal and interest will be repaid in one lump sum at maturity; If the loan term is more than one year, the principal and interest will be repaid monthly.
The above are the general conditions of housing mortgage loan. In practice, the regulations of banks are slightly different. If you need to go through the mortgage formalities, you need specific consultation.
Now, if you take the real estate license to the bank as collateral, the mortgage interest rate is generally around 4.35%, which is the comprehensive data of the relevant state departments. Want to know what the mortgage interest rate is, it can be said that it is safest to go to the bank for consultation in person, and it is best to run more banks. It is also required to use the real estate license as collateral. If the age is too long, for example, more than 20 years, it cannot be used as collateral.