Real estate license can't be directly loaned. The real estate license can only be used as proof of financial resources, and you can get extra points when lending. But the key to the loan is to handle it yourself, and the credit conditions should meet the loan requirements. When making a loan, you need to provide valid identity documents, bind credit cards, and even require face recognition and real-name authentication. If you only provide photos of real estate licenses and use other people's ID cards, bank cards and other information, it is also impossible to lend.

How to mortgage a loan with real estate license?

Real estate license loan is actually real estate license mortgage loan. As proof of the property right of the house, the borrower can mortgage it to get a loan to solve the shortage of funds. 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 loan with someone else's house as long as you get the consent of others and have proof of 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. Have permanent residence and fixed residence;

4. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

5. Someone in the real estate * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities;

6. The age of the house (calculated from the date of completion of the house)+the loan period does not exceed 40 years;

7. 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;

8. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments. Now it is a certificate of immovable property rights.

What are the procedures for mortgage loan with real estate license?

If you apply for a mortgage loan in a bank, it depends on the local mortgage department. In some cities, the mortgage department will take back the original real estate license, then issue a mortgage certificate to the bank, and then go to the mortgage department to cancel the mortgage when repaying, and then return the original. In addition, some city mortgage departments will not accept the original real estate license, but will indicate in the remarks column of the original that the property has been mortgaged to a bank on a certain day, and the original will be returned to you, and a certificate of other rights will be issued to the bank.

If you take a private financing loan, private financing creditors will generally take it to the mortgage department to go through the mortgage formalities before giving you a loan, just like the bank. I believe that private financing loans will not only collect your real estate license without going through mortgage registration procedures, but also report the loss of the real estate license, and only collect the real estate license without going through relevant registration procedures, so there is no priority to dispose of the mortgaged property.