Can the real estate license be loaned?

Can the real estate license be loaned? This article will help you sum up some common situations to help you understand this problem, hoping to help you. Most people will ask questions about whether real estate licenses can be loaned, but in fact, real estate licenses can also be divided into many kinds. Then, can the real estate license be loaned? Let's take a look at this problem!

Loans are gradually emerging with the change of people's consumption concept. Is there a real estate license for loans? How to handle the mortgage loan of real estate license is a concern of many buyers after buying a house, because buying a house takes up a lot of money. What should I do if I need money urgently and don't want to sell a house? Xiaobian will introduce you to related issues such as whether you can get a loan with a real estate license.

Qualifications of the lender:

A natural person with full capacity for civil conduct is generally under 65 years of age at the maturity date of the loan;

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

willing and able to provide real estate mortgage approved by the lender; The real estate * * * has been recognized for its loan and guarantee behavior, and is willing to bear relevant legal responsibilities.

Conditions of mortgaged real estate:

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

Can the real estate license be loaned? The real estate license can be loaned

The age of the house (calculated from the completion date of the house)+the loan period is no more than 4 years;

the mortgaged house is not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

the owner of the collateral can be the borrower himself or others. If other people's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and require the mortgagor and his spouse or other property owners to sign it.

materials that the lender needs to submit:

real estate mortgage contract (signed by both husband and wife at the scene); Housing ownership certificate; Copy of land use right certificate (original inspection); Real estate assessment Report issued by a qualified assessment agency; Bank loan contract; Proof of the relationship between husband and wife and a copy of the identity cards of both parties (the original inspection), and the certificate issued by the civil affairs department where the household registration is located for singles.

mortgage loan process of real estate license:

prepare all the materials, including the husband and wife's ID card, household registration, marriage certificate, real estate license, house purchase contract or the bank statement of the invoice personal account in the last six months.

the bank examines the borrower's loan application, house purchase contract, agreement and relevant materials.

the borrower submits the certificate of title and insurance policy or securities of the mortgaged property to the bank for custody.

the guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

after the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the house selling unit or building unit specified in the house purchase contract or agreement.

(The above answer was issued on August 26th, 215, and the current relevant housing purchase policy should be based on the actual situation)

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