Can I get a loan with a real estate license?
Loans can be made with real estate license, but the borrower must meet the following conditions at the same time:
1, with legal status.
2, a stable income, good credit, the ability to repay the principal and interest of the loan.
3. There are legal and effective contracts, agreements and other documents required by the loan bank for the purchase, construction and overhaul of housing.
4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
5. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
6. Other conditions stipulated by the lending bank.
What are the problems in housing mortgage loan?
One of the main problems here is that banks will worry that people who buy houses will take real estate licenses to handle other loans, which will cause certain losses to the interests of banks.
At present, there are many small loan companies in the market that can do secondary mortgage of real estate. Generally speaking, it is the buyer who uses the remaining loan amount of the mortgaged house as collateral again.
For example, if you have a suite with a value of 6.5438+0 million, then you can borrow 700,000 yuan. After you have paid it back for several years, the mortgage is only 500 thousand. At this time, the loan company can provide the owner with 200,000 two mortgage.
In addition to loan companies, many usury companies can also do it now. All you need to do is put the real estate license with them and you can lend you money. In case you can't repay the loan, your property may be sold at a low price, which will affect the interests of the bank.
Therefore, in order to prevent owners from taking their own real estate licenses to make secondary mortgages or private loans, banks generally require real estate licenses to be directly mortgaged in banks, and they will not be returned to you until you pay off the loans.
To sum up, this paper mainly talks about whether there is a real estate license to lend money, and what information is there about the problems in housing mortgage loans. If we have property rights, we can get a loan. However, there will also be some related security issues, and everyone should focus on the relevant situation.