Can I get a loan without a real estate license?
You may not get a loan until the real estate license comes down. The reasons are as follows: If there is no real estate license because the house is mortgaged, you can apply for a loan by providing the pre-sale contract and mortgage repayment materials to the bank.
If there is no real estate license, you can also provide pledges such as cars, bills of exchange and bonds. You don't have to have a real estate license, but you can also apply for a loan from the bank, but the specific loan amount depends on the bank's evaluation of your assets. If you have nothing but a stable job and income, you can also apply for money to get funds, but you may need your bank statement.
What conditions do you need for a house purchase contract to get a loan?
Mortgage loans can only do real estate licenses, and faster mortgage loans can do contracts. To apply for mortgage loan, you need the original property certificate, ID card, household registration book, marriage certificate/unmarried certificate, loan use information, etc.
1. First-hand houses can apply for mortgage loans. Bring mortgage contract, down payment certificate, lender's ID card, household registration book, marriage certificate/single certificate, etc. Developers usually provide phased guarantees until individuals obtain real estate licenses and complete mortgages.
2. If you are taking out a loan, the bank won't give you another loan only by the purchase contract. You need to settle the loan from the last bank, take out the real estate license, and then apply for a loan from another bank (or the original bank). Note that mortgage loans require proof of the use of funds, and you can buy a house, decorate it, buy a car, etc.
If the real estate license has not come down, you can consult the developer or the local financial department before applying for a loan. Don't apply blindly. The above is about whether the real estate license can be loaned or not, and what are the loan conditions under the house purchase contract. Be sure to think carefully before handling the real estate license loan.