Do I need a real estate license loan?

Before determining the amount of mortgage loan, it is necessary to evaluate the house price. This appraisal is conducted by a professional appraisal company, and there are many factors that affect the appraisal value, such as location, age, area, old and new degree, etc. With the appraisal price, the bank will generally mortgage 70% of the appraisal value, that is, 70% of the loan amount of your extra house value.

There are many factors that affect the evaluation value of houses, and banks pay more attention to the age of houses. For example, Bank of China stipulates that 70% of the appraised value is less than 3 years, 60% is within 3-5 years, 50% is within 5- 10 years, and 40% is within 10 years.

Conditions for real estate license to apply for a loan:

1. The owner of the collateral can be the borrower himself or someone else. In other words, even if the real estate license is not your own, you can apply for a mortgage bank loan with someone else's house as long as there is proof of others' consent and consent to mortgage;

2. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

3. Willing and able to provide real estate mortgage approved by the lender;

4. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years;

5. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.

6. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgage;

7. Have permanent residence and fixed residence in this city; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

8. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.

Do I need a real estate license loan?

In theory, the real estate license loan can be entrusted, as long as you complete the entrustment procedures, but in practice, it depends on whether the bank agrees. In addition, entrusting others always has certain risks. In key procedures (such as signature), it is best to go with the market.

But now the management of housing mortgage loans is relatively strict, and banks generally have to handle it in person, but entrustment is generally not enough.

2. Do two people have to sign the marriage loan?

Married people do not need two signatures to apply for a loan. For example, applying for personal credit loans and personal consumption loans is based on individuals, and not only the main lender needs to sign at home. The application for mortgage and car loan can only be successful if the subject is the main body. Therefore, if the application for mortgage or car loan is not good, it will affect the audit and settlement.

1. What are the requirements for a married housing loan?

1, married people need to have legal resident status when buying a house loan; Apply for policy personal housing loan

2, need to have a stable career and income.

3, need to have the ability to repay the loan principal and interest on schedule.

4. Require assets recognized by the loan bank as collateral, and require guarantors who meet the prescribed conditions to guarantee.

5. Need or agree.

6. When a married person applies for a housing loan, he usually needs 30% of the required funds as a down payment. To apply for a policy-based individual housing loan, the housing provident fund shall be paid in accordance with the regulations.

7. Other conditions stipulated by the lending bank.

Second, what will the married housing loan bank check?

1, proof of income, bank flow

The borrower's income and running water are important items for bank audit, because these two items are directly reflected. The bank's requirement for repayment ability is monthly income ≥ monthly mortgage payment X2. If the borrower is repaying other loans, it is required that monthly income ≥ (monthly mortgage payment for existing loans) X2. If the bank runs smoothly, it is usually necessary to suggest using running water to trade more bank cards.

2. Existing housing conditions

The number of existing houses and repayment of borrowers are directly related to the down payment ratio and interest rate of the next house purchase.

3. Credit report

The credit report is a possible unit, which shows that the borrower has good loan and repayment habits and will repay the mortgage on time in the future. Check the credit information of both husband and wife. Some banks will check the loan records of the borrower's family within five years, the credit card records within two years, and some will check the time range.

Due to the different policy requirements of banks, the degree of easing in reviewing credit information will be different. If one of the spouses is overdue, it may affect the whole family to apply for a mortgage, ranging from raising the loan interest rate or down payment to being refused a loan.

4. Debt

It would be a pity if the borrower still has other loans outstanding or credit card arrears. Because then the bank will question the repayment ability of the applicant, and the bank may refuse the loan.

5. Age and occupation

The borrower's age and occupation reflect its repayment ability and stability from the side. The age required for banks to review loans is 18-65 years old, among which 25-40 years old is the most popular group, followed by 18-25 years old and 40-50 years old. People aged 50-65 are more likely to get sick, which will affect the normal repayment.

Professionally, people with stable incomes, such as civil servants, teachers, doctors and employees of top 500 enterprises, are classified as excellent customers by banks and are more likely to be favored.

6. Age of the house

If you buy a second-hand house, the bank will limit the age of the house, usually 20-25 years. Older second-hand houses may reduce the loan amount or directly refuse to lend. In addition, the age of the house will also affect the loan period, so you should understand the requirements of the bank before buying a house.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 1046 Marriage shall be voluntary by both men and women, and it is forbidden for either party to force the other, and no organization or individual may interfere.

Article 1089

At the time of divorce, both husband and wife should bear the same debts. * * * If the same property is not paid off, or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, it is up to the people to decide.

Article 1090

In case of divorce, if one party has difficulties in life, the other party with financial ability should give appropriate help. Specific measures shall be agreed by both parties; If the agreement fails, it is up to the people to decide.

3. Do civil servants' real estate mortgage loans need to be signed by others?

Need to apply for a mortgage loan requires the signature of the owner and his wife. Even if there is no other party's name on the real estate license, as long as it is a loan within marriage, two people need to sign it. Bank loan mortgage with real estate license requires the signature of the owner of the real estate license. The specific process is as follows: (1) real estate mortgage contract (signed by both husband and wife);

(2) the house ownership certificate;

(3) Copy of land use right certificate (original inspection);

(4) A real estate appraisal report issued by a qualified appraisal agency;

(5) Bank loan contract;

(6) proof of husband-wife relationship and copies of ID cards of both parties (original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles.