Mortgage loan of real estate license refers to a kind of credit method that buyers apply for loans from banks with real estate as collateral to obtain funds, and then repay the principal and interest to the banks in stages or at one time. Mortgage loan of real estate license is a way for house owners to borrow money from banks as consumption mortgage or to solve the problem of funds. Owners can get a certain amount of money to solve their urgent needs without selling their houses.

What conditions do you need to meet for a mortgage house?

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

Note: The owner of the mortgaged property can be the borrower himself or other people. If the property owned by others is used as collateral, the mortgagor must issue a written commitment to allow the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property co-owners to sign it.