As we all know, you may not be able to get a loan from a bank if you have a real estate license, but you must also meet the conditions required for a real estate license loan to successfully get a loan. So, what are the application conditions for real estate license mortgage loan? How to mortgage the real estate license? I believe this is a problem that everyone cares about. I will answer these two questions for you.

How to mortgage the real estate license

1. Preparation of relevant materials: Before the loan, the borrower needs to prepare relevant materials from the bank, such as ID card, household registration book, marriage certificate, real estate license and house purchase contract.

2. Bank running bills: In addition to the mortgage of real estate licenses, banks also require borrowers to have good credit and economic strength in order to avoid risks, so banks will require borrowers to provide bank running bills for the past six months.

3. Apply for a loan from the bank: The mortgage loan amount is generally more than 5,000 yuan, and the property value is less than 70%. The loan term is 5-30 years, and two repayment methods are adopted: equal principal and interest and average capital. Borrowers can choose according to their own economic situation.

4. Bank review mortgage: After applying for mortgage, the bank will review the borrower's qualification.

5. After the approval of the bank, go through the relevant formalities: after the bank agrees to issue the loan, the borrower shall go through the mortgage registration with the relevant personnel of the bank in the housing management department.

6. The bank obtains the real estate license and lends money: after the above procedures are completed, the bank lends money to the borrower.

What are the application conditions for real estate license mortgage loan?

1, a natural person with full capacity for civil conduct, aged between 18 and 65 years old; Foreigners and Hong Kong, Macao and Taiwan residents should have lived in China for one year and have a fixed residence and occupation;

2. Have legal identity certificate, household registration certificate and marital status certificate;

3. Have a good credit record and willingness to repay;

4. Have a stable source of income and the ability to repay loans on time;

5. Being able to provide mortgage loans approved by banks;

6. Open a personal settlement account in a bank;

7. Other conditions stipulated by the bank.

Editor's summary: After reading the above introduction, I believe that everyone has a further understanding of how the real estate license is mortgaged and the application conditions of the real estate license mortgage loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

How to mortgage a loan with real estate license

Many people choose mortgages for many reasons. There are many ways of mortgage, such as car mortgage and real estate mortgage. Property mortgage requires real estate license, so how to use real estate license to mortgage loans? What are the mortgage conditions of real estate license? Let's take a look with Bian Xiao!

First, how to mortgage a loan with a real estate license?

First of all, the borrower needs to find a professional real estate appraisal agency to evaluate the property and get the appraisal report. If you are married, you need both husband and wife to be present together and provide relevant information. The bank will review the information and notify the borrower to sign the house mortgage contract and loan contract at the bank after the approval. After the contract is signed, the bank will lend money according to the time agreed in the contract, and then the borrower will repay the desired principal and interest every month.

Second, the real estate license mortgage loan conditions

1. The borrower needs to have full capacity for civil conduct, be over 65 years old, have a local hukou and permanent residence, have a proper job and a stable income, and be able to repay the principal and interest of the loan.

2. The borrower can provide real estate and is willing to use the real estate as collateral. If there is a co-owner of the property, it is necessary to obtain the consent of the co-owner, and recognize their lending behavior and willingness to bear relevant legal responsibilities.

Three. The condition of mortgaged property

1. The mortgaged house has clear property rights and meets the listing and trading conditions, and the house has not been mortgaged in other ways; The age of the house plus the loan period cannot exceed 30 years.

2. The mortgaged house has the real estate license and land use certificate issued by the Housing Authority, and it is impossible to be a tearful house like the urban reconstruction plan.

3. The owner of the mortgaged property can be himself or others.

4. If other people's property is used as collateral, the obligee needs to agree to a written commitment to use his property as mortgage loan, and the mortgagor, his spouse or other property owners need to sign it.

Bian Xiao concluded: The above is about how to use real estate license to mortgage loans, the conditions of real estate license mortgage and the conditions of mortgaged property. I hope it will help everyone.

Can a house with real estate license be mortgaged?

The real estate license loan is actually a 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. Application conditions for real estate license loan: 1. The owner of the collateral 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 you have the consent of others and the proof of consent to mortgage; 2. The actual age of a natural person with full capacity for civil conduct at the maturity date of the loan is generally no 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. The co-owner of the real estate recognizes the relevant loan and guarantee behaviors and is willing to bear relevant legal responsibilities; 6. The age of the house (calculated from the date of completion of the house) and the loan period shall 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 without any other mortgage; 8. 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. Now it is a certificate of immovable property rights.

How to mortgage the real estate license

Handling process

1. Prepare all materials, including husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account for the last six months.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall submit the certificate of ownership of the mortgaged property and the insurance policy or securities to the bank for safekeeping.

4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

Personal real estate

1, original property certificate, house purchase contract and invoice.

2. Original ID card and household registration book.

3. Original spouse ID card/original property co-owner ID card.

4. Marriage certificate (marriage or unmarried certificate).

Extended data:

According to the general principles of loans:

Article 21 A lender must be approved by the People's Bank of China to operate the loan business, hold the License for Legal Person of Financial Institution or the Business License of Financial Institution issued by the People's Bank of China, and be approved and registered by the administrative department for industry and commerce.

Article 22 Rights of Lenders

To independently review and decide on loans according to loan conditions and loan procedures, and have the right to refuse any unit or individual to force loans or provide guarantees, except for specific loans approved by the State Council.

1. Ask the borrower to provide information related to the loan;

Two, according to the borrower's conditions, decide whether the loan, loan amount, term and interest rate;

Three, understand the borrower's production and business activities and financial activities;

Four, according to the contract from the borrower's account to collect the loan principal and interest;

5. When the borrower fails to perform the obligations stipulated in the loan contract, the lender has the right to require the borrower to repay the loan in advance or stop paying the unused loan in accordance with the contract;

Six, in the loan will suffer or have suffered losses, according to the provisions of the contract, take measures to make the loan from losses.

Article 23 Obligations of the Lender:

1. The type, term and interest rate of loans operated shall be announced, and the borrower shall be consulted.

Two, the credit content of the loan review and the conditions for issuing loans should be made public.

Iii. The lender shall consider the borrower's loan application and reply whether the loan is granted or not in time. The response time of short-term loans shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months; Unless otherwise stipulated by the state.

Four, the borrower's debt, finance, production and operation should be kept confidential, except for inquiries according to law.