How to borrow real estate license to mortgage
1. Preparation materials: Before the loan, the borrower needs to provide many materials to the bank, including ID card, household registration book, marriage certificate, real estate license, house purchase contract, etc.
2. Running statement: provide the running bank statement of personal account in the past six months.
3. Apply for a loan: the loan amount of a house is generally more than 5,000 yuan, and the value of the property is less than 70%.
4. Review the mortgage: After applying for the mortgage, the bank began to review the qualifications of the borrower.
5. Pass the examination and go through the relevant formalities.
6. The bank obtains the real estate license and lends money.
Lending institutions have certain requirements for the real estate provided by borrowers when reviewing applications for housing mortgage loans. Not any real estate can apply for a mortgage loan. One of the most important conditions is that the real estate needs the necessary documents.
The higher loan amount of real estate mortgage loan is generally 70% of the real estate appraisal value, but the specific loan amount should be determined according to the borrower's personal qualifications. If the borrower has good qualifications, the loan amount may be higher; On the contrary, it is even lower. In addition, it should be noted that real estate mortgage loans will not mortgage real estate licenses. Usually, the lending institution will return the real estate license to the borrower after the mortgage registration, but the real estate license will indicate that the house has been mortgaged. After the borrower pays off the loan, he needs to go to the mortgage registration department to cancel the mortgage, so that the property really belongs to him.
Only properties that meet the listing conditions can be used for mortgage loans. Usually, double certificates refer to real estate licenses and land certificates, and only real estate with complete double certificates can apply for mortgage loans. And usually buy commercial housing in the city, only the real estate license. Strictly speaking, a borrower can't apply for a mortgage loan without obtaining a real estate license, but it doesn't mean that he can't lend.
The borrower can provide the purchase contract (which has been filed by the Housing Authority), down payment, final payment invoice and other related materials of the property. When applying for a credit loan, the above information can be used as proof materials to prove the applicant's assets and repayment ability, which can help the applicant get approval more smoothly. Some banks will consider increasing the loan amount appropriately, while others will consider lowering the loan interest rate appropriately.
To sum up, you can't mortgage a loan without a real estate license. According to the conditions and materials needed to handle housing mortgage loans, we can know that it is difficult to handle loans only by virtue of the purchase contract. If individuals need to apply for loans, they need to know in advance the conditions and requirements for banks to apply for loans.
Legal basis:
Article 400 of the Civil Code establishes mortgage, and the parties shall conclude a mortgage contract in writing.
Article 402 Where the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 is mortgaged, the mortgage registration shall be handled. The mortgage is established at the time of registration.