First, how to use the real estate license loan?

1, first contact the bank credit department to fill in the loan application form, and those who have paid the housing provident fund can also use the provident fund loan.

2. Do real estate mortgage evaluation again.

3. Sign a loan contract.

4. Approved by the bank.

5. Mortgage of real estate license and land use right certificate.

6. Prepare the materials issued by the Housing Authority to prove his right to withdraw money from the bank: ID card, household registration book, real estate license, land certificate, marriage certificate, one-inch photo, income certificate, etc.

Two. Determination of mortgage loan amount of real estate license;

Before determining the amount of mortgage loan, it is necessary to evaluate the house price. This appraisal is conducted by a professional appraisal company, and there are many factors that affect the appraisal value, such as location, age, area, old and new degree, etc. With the appraisal price, the bank will generally mortgage 70% of the appraisal value, that is, 70% of the loan amount of your extra house value.

There are many factors that affect the evaluation value of houses, and banks pay more attention to the age of houses. For example, Bank of China stipulates that 70% of the appraised value is less than 3 years, 60% is within 3-5 years, 50% is within 5- 10 years, and 40% is within 10 years.

What are the conditions for applying for a mortgage loan with real estate license? Can I apply for a real estate license as long as I have a real estate license? Today, Bian Xiao will share the specific requirements with you and hope to give you practical help.

Third, the real estate license to apply for a loan:

1. The mortgagor can be the borrower himself or others. 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 there is proof of others' consent and 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. Willing and able to provide real estate mortgage approved by the lender;

4. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years;

5. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.

5. 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;

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

7. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.

4. What are the procedures for using the real estate license loan?

1. The lender submits a loan application to the bank for approval;

2. If it is approved by the bank, the lender needs to submit a copy of the real estate license and other materials required by the bank; Then the bank will evaluate the price of the lender's property, and the loan amount depends on the real estate assessment price;

Next, we need to sign a series of contracts. At the same time, the lender needs to have a corresponding bank account, if not, it needs to be opened immediately;

4. Handle mortgage registration according to the requirements of relevant departments;

5. The bank will transfer the loan to your special account. At this time, the process of using the real estate license loan is completed.

First, we must evaluate the value of the house, and then sign a mortgage contract with the bank. At this time, it is necessary to issue both the real estate license and the land use certificate. In addition, you need to provide income proof and other materials. Mortgage loan is limited to the maximum value of the house.

I want to use a house loan. How to borrow it?

1. Relevant procedures need to be prepared: loan application, user ID card, household registration book, income certificate, marital status certificate and other materials. Users of mortgage loans need to provide proof of ownership of collateral, while others need to provide good credit records.

2. Pre-lending bank approval: to approve the bank loan application and related materials submitted by users.

3. Other procedures: users also need to go to the relevant departments for mortgage registration and filing.

4. Bank loan: After approval, the bank will inform the user of the loan amount, loan term, loan interest rate and other related information, and sign a contract with the user to credit the loan to the user's account.

5. Repayment method: The user repays the principal and interest on a monthly basis according to the time agreed in the contract.

Supplementary information: Matters needing attention in applying for mortgage loan:

① The first loan will not be repaid in advance within one year: according to the provisions of provident fund loans, some loans will be repaid in advance after one year of repayment, and the loan amount will exceed the repayment period of six months.

Don't forget to cancel the mortgage after paying off the loan. When you pay off all the loan principal and interest, the loan agreement certificate and collateral held by the bank can be revoked by the district and county real estate trading center where the real estate is located.

(3) don't lose the loan contract and IOUs. When applying for mortgage loan, the loan contract and loan bill signed by the bank with you are important legal documents. As the loan term can be up to 30 years, as a borrower, it should be properly kept.

(4) Having legal housing conditions, stable income and the ability to repay the principal and interest of the loan, and having no bad credit record; Having a legal and effective purchase contract; If the term does not exceed 10 year, a down payment of not less than 30% shall be paid; Has purchased and obtained a mortgage loan, and has repaid the original mortgage loan for more than one year. Finally, don't forget to check with your local bank: If you can't repay the debt before the loan term ends, please don't be too hard on yourself. ICBC customers can apply to ICBC for extending the loan term. If the bank verifies that the loan principal and interest are not in arrears, ICBC will accept your application for loan extension.

How to mortgage a house in a bank?

1. Users should first prepare personal ID card, residence certificate, household registration book, house ownership certificate, state-owned land use certificate, income certificate (bank flow and payroll), personal credit report and other materials, apply for a loan at a bank outlet, and then get a loan application form to fill in.

2. After acceptance, the bank will conduct an audit according to the information provided by the customer, and arrange an evaluation agency to evaluate the value of the mortgaged property.

3. The bank will issue the examination and approval results and evaluation report, and inform the customer immediately. If approved, the loan amount will be approved. Customers who have received the approval notice shall sign the loan contract at the offline business outlets of the bank within the agreed time, and go through the relevant mortgage procedures at the Housing Authority. Then the bank will issue loans and users can repay them on time.

Bank housing mortgage loan housing conditions:

1. Mortgage loan requires the life of the house to be within 20 years.

2. The house area should be more than 50 square meters.

3. The mortgage loan amount is 70% of the appraised value of the house.

4. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years.

5. The house should be highly mobile.

6. Public housing, houses with small property rights, houses with outstanding loans, second-hand houses with too long housing age and too small area, affordable housing with less than five years, some public houses, buildings under cultural relics protection, illegal buildings, houses with disputed ownership and houses with limited scope may not apply for mortgage loans.