When buying a house, I often hear "five certificates and two books". The "five certificates" are mainly aimed at the qualification certificates of developers, and the "two books" are the main certificates to guarantee the property rights qualifications of buyers, namely the real estate license and the land use right certificate. Then, can a house without a land certificate be loaned? Let's take a look with Bian Xiao.

1. Can I get a loan without a land certificate?

First of all, it must be clear that houses without land use certificates cannot be mortgaged by banks. Banks have three basic requirements for mortgaged houses, namely, clear property rights, no debt disputes, and complete housing two certificates. There may be various reasons for the lack of land use certificate for real estate, but all of them are problematic, so it is impossible for banks to accept mortgage applications for such real estate.

Second, the influence of land use right certificate on bank loans.

1, the impact of land use years on bank loans

There is a necessary step for banks to issue housing loans, that is, property value evaluation. For houses with older houses and longer land use years, the loan amount will be lower and the loan period will be shortened, especially for houses with more than 10 years.

2. The impact of land relocation on bank loans.

If the bank learns that the mortgaged property is in the relocation area after evaluation, it will not accept the application for housing loan under normal circumstances. Even if the project has already handled the housing mortgage loan, the bank will urge the borrower to pay off all the loans before the demolition in the area.

Abstract: The above is "Can I get a loan without a land certificate?" I hope to bring some reference help to friends in need. For more housing loan information, please continue to pay attention to other related introduction information of Qijia. Com or go to the local professional financial institutions to find staff consultation.

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