Of course. The real estate license can be mortgaged. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Can the real estate license be mortgaged?

The real estate license can be mortgaged. We are familiar with the housing mortgage loan, which needs to mortgage the real estate license to the bank, that is, the real estate license for mortgage loan. Real estate can only be mortgaged with a real estate license. As for housing mortgage loan, it is also a special loan. Lenders can directly apply for mortgage loans from banks without obtaining real estate licenses.

As for the real estate license, it was taken directly by the bank. After paying off the mortgage, users need to go through the mortgage cancellation procedures before they can get back the ownership of the property.

Can I get a loan with a title certificate?

Of course. The title certificate can be used for loans, because the certificates issued by the state are all title certificates, which will gradually replace the title certificate, so the title certificate can be used for loans. Since May 1 2065438, all cities and counties in China have stopped issuing real estate licenses and land use certificates, and all the property buyers have been issued with immovable property certificates, but the issued real estate licenses are still valid. Legal basis: Article 221 of the Civil Law of People's Republic of China (PRC) stipulates that if a party signs a house purchase and sale agreement or other agreement on real property rights, it may apply to the registration authority for advance notice registration in order to ensure the realization of future real property rights. After the advance notice registration, if the obligee without advance notice registration agrees to dispose of the real estate, the real right effect will not occur. After the advance notice registration, the creditor's rights are extinguished or the application for registration is not made within 90 days from the date when the real estate registration can be carried out, and the advance notice registration is invalid.

Can I get a loan with a real estate license?

Of course. The title certificate can be used for loans, because the certificates issued by the state are all title certificates, which will gradually replace the title certificate, so the title certificate can be used for loans. Since May 1 2065438, all cities and counties in China have stopped issuing real estate licenses and land use certificates, and all the property buyers have been issued with immovable property certificates, but the issued real estate licenses are still valid. Can I get a loan with a real estate license?

How to distinguish between real estate license and real estate license?

1. Real estate registration is a real right system established by the Property Law of People's Republic of China (PRC), which means that the real right of real estate and its changes are recorded in the real estate register by the state full-time department upon the application of the obligee or interested party.

2. The real estate license refers to the certificate that the buyer obtains the legal ownership of the house through the transaction and can exercise the right of possession, use, income and disposal of the purchased house according to law. That is, the "House Ownership Certificate" is the legal certificate for the state to protect the ownership of houses according to law. Proof that the owner manages and uses his own house.

3. The certificate of land use right, also known as the certificate of state-owned land use right, refers to the legal certificate of state-owned land use right issued by the people's governments at all levels in this Municipality upon the application of land users. This certificate mainly indicates the name of the land user, the location and use of the land, the area of the land use right, the service life and the four boundaries.

4. In addition to the People's Republic of China (PRC) Property Ownership Certificate, the registration types of real estate registration mortgage, off-site registration and seizure registration are written in the upper right corner of the outer page of the property ownership certificate; The inside page indicates the obligee, certificate type, certificate number, * * information, obligee type, registration reason, service period and purchase price (RMB 10,000/m2).

5. The outer page of the title certificate only contains the title certificate of People's Republic of China (PRC); The contents of the inside page include the owner of the house, the housing situation, the location of the house, the registration time, the nature of the house, the planned use, the housing situation and the land situation.

What are the application conditions for housing mortgage loan?

1, the nature of the house should belong to residence, office building, villa, commercial house, residence and affordable housing, and the property rights of the house should be clear within 20 years.

2. The lender is between 18 and 65 years old and in good health.

3. Lenders need to have legal identification.

4. The lender must have a stable economic income and the ability to repay the principal and interest of the loan, and have no bad credit record.

5. The lender must have a legal and effective purchase contract.

6. If the lender takes the newly purchased house as a high mortgage, it must have a legal and effective purchase contract, the age of the house should be within ten years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid.

7. The lender can provide effective guarantee recognized by the lending bank.

8. Other conditions stipulated by the lending bank.