When applying for a real estate certificate, you must pay attention to the specific details. Nowadays, many friends will use their own real estate certificates to apply for mortgage loans. However, when applying for a mortgage loan, we must pay attention to the specific details. The procedures must be handled in accordance with the bank's regulations. So can the real estate certificate be used for mortgage loans? Under what circumstances can I not get a bank loan? Let’s learn about bank loans.

Can I apply for a mortgage loan with a real estate certificate?

There is no definite answer to the question of whether you can get a loan if you have a real estate certificate. Because a house with a real estate certificate may not be able to get a loan from a bank and must meet other regulations. Housing loans generally require a real estate certificate and a land certificate. Only the real estate certificate can be used, and the bank may not grant the loan.

1. The conditions for the mortgaged property in accordance with the loan regulations: the property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage. The age of the house (calculated from the date of completion of the house) and the loan term shall not exceed 40 years.

2. The mortgaged house is not included in the local urban reconstruction and demolition plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department; the owner of the mortgage can be the borrower himself or another person. If a property owned by another person is used as a mortgage, the mortgagor must issue a written commitment agreeing to the borrower's use of the property as a mortgage to apply for a loan, and require the signatures of the mortgagor and his or her spouse or other person with the most rights to the property.

Under what circumstances can I not get a bank loan?

House mortgage loan is to use the property in your own name or someone else's name as collateral to apply for a sum of funds from a commercial bank. Its uses can include buying a house, renovating a car, studying abroad, etc. After obtaining the credit funds, the lender repays the principal and interest to the bank within the time limit according to the agreement with the bank. Therefore, owners who have not yet obtained the real estate certificate can wait until the real estate certificate is obtained before applying.

1. Real estate certificate on collective land. This type of house belongs to collective land. According to relevant regulations, the housing management department does not handle mortgage registration, so it cannot obtain a loan from a bank.

2. Real estate certificates for very old houses. These houses were built earlier, and some even belong to the dilapidated house series. Banking departments have regulations against lending for such houses, so they cannot get loans from banks.

3. For real estate certificates in old city renovations, the local housing management department has closed the files for such houses, and mortgage registration cannot be processed, so they cannot obtain loans from banks.

4. There is no real estate certificate of the loan application entity, and the housing qualifications comply with the bank's mortgage loan regulations, but there is no operating economic entity as the applicant for the loan, and the loan cannot be obtained from the bank.

5. People with bad credit. Due to various reasons, the credit report has been blacklisted, and even if there is a real estate certificate mortgage, you cannot get a loan.

6. Other situations stipulated by laws and regulations.

For real estate certificate mortgage loans, we must pay attention to the specific procedures. Many friends are applying for it for the first time, so they must pay attention to the process. The above is about whether the real estate certificate can be used for mortgage loans and Under what circumstances you cannot get a loan from the bank, you must pay attention to some relevant details when applying for a loan.