How to get a loan without a real estate license
Generally speaking, if your house has no real estate license, you can't apply for a loan, but whether you can apply or not depends on the specific situation of the lender. If the applicant only temporarily does not have a real estate license, for example, when applying for a housing mortgage loan, mortgage the real estate license to the bank. In this case, you can apply for a loan from the bank by providing mortgage loan contract, house purchase contract, down payment invoice and other related materials.
What behaviors affect loans?
1, credit card or loans overdue record.
Nowadays, many people like to use credit cards, but they have to return them after using them. If they don't repay the loan on time, the impact will be very great once it is overdue. In life, in addition to mortgage, there are many times when money is needed to review these records. Generally speaking, banks have regulations that if an applicant's credit card or loan is overdue for three times or six times in a row, he can't apply for a loan. Even if your overdue amount is not large and the number of times is not many, it is possible to reduce your loan amount, especially during the tightening of credit policy, the bank's credit review of lenders has become more stringent, so whether you buy a house or not, you should develop the habit of repaying in full and on time.
2. There are too many credit cards.
Some people's credit cards have not expired, but they use more than one credit card. Too many credit cards will also affect the loan. When there are multiple bank cards in the hands of the buyers, the banks have reason to suspect that the buyers are raising their cards with cards, so they refuse to lend money to buy a house. Moreover, the more cards, the higher the probability of debt ratio, so if banks borrow money, the greater the risk they take. The debt ratio mentioned here refers to the ratio of total household liabilities to total assets.
3. There are arrears and taxes in the public information.
Many people think that as long as their credit cards are not overdue, there will definitely be no problem with credit reporting. But now some cities will record the overdue payment of public utilities in the credit report. If the applicant owes water, electricity, gas, mobile phone communication fees, etc. And recorded in the credit report, banks may seriously refuse to lend, or buyers may need to increase the down payment ratio, or banks may raise the loan interest rate and reduce the loan amount.
4, overdue, even three tired six.
If you have applied for a loan before and the previous loan is overdue, it is difficult for the lender to borrow again at this time. For example, the lender is overdue for three consecutive months or accumulated six times in two years. The bank may raise the loan interest rate, reduce the loan amount, or even reject your loan application directly. Personal loans and overdue credit cards are generally not included. Among them, even three to six is bad in nature and belongs to vicious arrears. Banks put such people on the dangerous list, and basically there is little chance of success in applying for a loan again.
How can I get a loan without a real estate license? What behaviors affect loans? That's what the last article was about. If you want to apply for a real estate mortgage loan, you must have a real estate license, so you must pay attention to the real estate license when buying a house. Don't buy a house without a real estate license.