Legal analysis: can "can". Real estate license loan is actually real estate license mortgage loan. As proof of the property right of the house, the borrower can mortgage it to get a loan to solve the shortage of funds. Only the real estate license bank does not accept mortgage loans, and applying for housing mortgage loans requires personal identity and land certificate materials. Yes, the processing flow is as follows: 1. Preparation materials, including husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account in the last six months. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. 4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property. Derivative question: If you can buy a house, how long does it take to get a loan from the bank? 15 working days. After the information is complete, it will be sent to the bank for review within 15 working days, and the loan will be completed. Bank loans can be released in about three days at the earliest. Generally, the loan can be completed within ten days. If you need to apply for a mortgage to buy a new house, the pre-sale certificate has been applied. As long as you apply to the bank, the bank will check your credit history with the People's Bank of China. If there is no problem, we will reply to your personal loan application within three days, and ask you to submit a copy of your license, income certificate, down payment documents and other related documents, and sign relevant bank documents and loan contracts. After collecting all the information, the bank submits it for internal approval, and then goes to the housing management transaction to go through the mortgage registration formalities, which takes about 10 working days. After the transaction is issued with other warrants (real estate registration certificate is issued by the city where real estate registration is implemented), the bank will lend money within 3 working days. Note later that if you apply for a commercial loan, it usually takes about two weeks from the time when the lender submits the information to the time when the loan is released. If it is a provident fund loan, the processing progress will be slower, and it may take 1-2 months or even longer, because it involves many institutions such as provident fund and banks.

2. Can an individual get a mortgage loan from a bank with a real estate license?

Personal name? Are you married?

Third, developers can take the owner's real estate license to the bank mortgage loan?

No, you need to sign a mortgage before you can authorize the developer to handle it. If you don't mortgage the property to the bank, the developer can calculate your breach of contract, deduct a certain penalty and recover the property ownership.

How do developers protect their rights when they mortgage their houses to owners?

The Supreme People's Court's Interpretation on Several Issues Concerning the Applicable Law in the Trial of Commercial Housing Sales Contract Cases is due to the seller. The buyer can obtain the house ownership certificate at the expiration of the following period. Unless otherwise agreed by both parties, the seller shall bear the liability for breach of contract: register the ownership of the contracted house agreed in the commercial housing sales contract; If the goods are not completed, they shall be delivered from the house. 90 days from the date of use; For completed houses, if it is difficult to determine the amount of liquidated damages or losses from the date of signing the contract, it can be determined according to the total amount of purchased houses. Refers to the standardized calculation of future loan interest in the accounting order and collection order of financial institutions stipulated by the People's Bank of China. Therefore, Mr. Qian can compensate the developer Tonghe for the investigation losses.

What are the consequences of blind mortgage of real estate?

1 is intermittent, which is harmful to the transaction safety. The premise of collaborative positioning and mortgage is that it is uncertain whether to register house mortgage or land mortgage. The mortgage of land use right should be registered first, and the above-ground houses should be mortgaged accordingly, and the land use right should also be mortgaged within the lease scope. Because these two mortgages are still in the first place, what are the different registration authorities dealing with? The mortgage is reasonable Order: After the house is mortgaged, the correct certificate must be obtained. The information will not be submitted to the Bureau of Land and Resources until tomorrow. The arrival of a taxi

2. Re-guarantee provides opportunities for it. The developer's house will be completed after the land use right is mortgaged. Then go to the real estate department to apply for a mortgage loan. According to the burden, according to Article 35 of the Guarantee Law of People's Republic of China (PRC), the secured creditor's rights of the mortgagor shall not exceed the value of the collateral.

4. How to borrow the original real estate license from the bank for mortgage?

The real estate license is mortgaged in the bank, and the way to get it back is to repay the loan. Different banks have different specific requirements, but general banks will require buyers to bring ID cards, collateral credentials, loan contracts, copies of insurance policies and invoices. Property buyers will receive repayment vouchers after going to the bank for settlement at the agreed time, and the bank will also return the original property right certificate and the original sales contract to the property buyers, so that they can get the property right certificate back. The mortgage of real estate license can also make a second loan in the bank.

Article 2 The loan conditions of real estate license include:

1. The house used for secondary mortgage must be an existing house.

2. The mortgage registration of the property has been completed, and the handling bank is from housing mortgages.

3. The house has been insured, and the original policy is managed by the bank.

4. The real estate has a second mortgage, and the balance of the house loan is lower than 70% of the current house price.

5. The borrower has full capacity for civil conduct, stable income and good credit.

6. The property should be high-quality housing and commercial housing with great market development potential.