Legal analysis: real estate license can be mortgaged. In addition, it is also necessary to meet the conditions that the borrower has good credit, has a stable occupation and income, can pay a down payment of not less than 50% of the national defense evaluation price after purchasing the house in full, and agrees to use the purchased house or assets recognized by the loan bank as collateral.

Legal basis: Article 17 of the General Rules for Loans. The borrower shall meet the following basic conditions when applying for a loan: the product has a market, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

I have the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made;

Two, in addition to the natural persons and legal institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures should be handled in the industrial and commercial departments.

3. basic deposit account or general deposit account has been opened;

Four. Unless otherwise stipulated by the State Council, the cumulative overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets;

Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender;

If an intransitive verb applies for a medium-and long-term loan, the proportion of the owner's rights and interests of the enterprise as a legal person in the newly-built project to the total investment required for the project shall not be lower than the proportion of the capital of the investment project stipulated by the state.

Article 42 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to ask the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility as agreed in the contract.

Can the real estate license be mortgaged?

You can use the real estate license as a mortgage loan. 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.

Can personal property certificate be mortgaged?

Of course. As long as you are willing to use the real estate license as collateral, you can get a loan. The risk is that if the lender fails to repay the loan in time, the lender can auction your house as collateral. Of course, if someone takes your real estate license to get a loan, you have to agree and go through the formalities in person. If only someone else takes your real estate license to get a loan, it won't do. Generally, who will be willing to lend to others with their own real estate license, this must be thought clearly.

According to Article 25 of the General Rules for Loans, if a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

Supplementary information:

1. Materials to be prepared for handling bank loans:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

Two. Requirements for bank loans:

1, 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identification, and the age of the lender required for bank loans is generally between 18-60 years old;

2. Have a stable legal income and the ability to repay interest;

3. Other conditions required by the lending bank.

Three, the program is generally divided into three steps:

1. Basic information submitted by the customer, including work unit and contact telephone number;

2. The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed and small and medium-sized enterprises;

3. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.

Is there a real estate license to mortgage a loan?

The real estate license can be mortgaged. In addition, it is also necessary to meet the conditions that the borrower has good credit, has a stable occupation and income, can pay a down payment of not less than 50% of the assessed house price after purchasing the house in full, and agrees to use the purchased house or assets recognized by the loan bank as collateral. 3_copy.jpg What procedures do I need to apply for the mortgage loan of real estate license? If you apply for a mortgage loan in a bank, it depends on the local mortgage department. Some urban mortgage departments will take back the original real estate license and then issue mortgage certificates to banks. When you repay, go to the mortgage department to cancel the mortgage, and then restore it. 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 other warrants will be issued to the bank. If you take private financing loans, private financing creditors will generally take them to the mortgage department for mortgage procedures, and then give you loans, which is the same as the bank's procedures. I believe that private financing loans will not only accept your real estate license, but also go through mortgage registration procedures. If the real estate license can be reported as loss, the relevant registration formalities are not handled, only the real estate license is obtained, and there is no priority to dispose of the mortgaged property. Property ownership certificate 1 mortgage loan process. The borrower prepares relevant information: Before the loan, the borrower needs to provide a lot of information to the bank, including ID card, household registration book, marriage certificate, real estate license, house purchase contract, etc. 2. Bank running: According to the value of the house, the mortgage amount of the bank is different, which requires the borrower to have good credit and economic strength. Therefore, most banks will require borrowers to provide bank statements of personal accounts for nearly half a year. 3. Apply for a loan from the bank: the amount of housing loan is generally more than 5,000 yuan, and the value of the property is less than 70%. 4. Bank review of mortgage: After applying for mortgage, the bank began to review the qualifications of borrowers. 5. After the approval of the bank, go through the relevant formalities: after the bank approves the borrower's mortgage and approves the loan, the borrower needs to go through the mortgage registration formalities at the local delivery room management department at or above the county level. 6. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. However, because it is a housing loan, generally speaking, bank loans will directly hit the account of real estate developers and will not be directly distributed to borrowers.

You can talk about the introduction of real estate license mortgage loan here.