It is reported that off-site real estate cannot be mortgaged locally, because off-site real estate is not conducive to the approval of lending institutions, and generally only local real estate is accepted. However, not all properties can apply for mortgage loans, and only properties with the following conditions are eligible to apply for loans:

1, with complete double certificates, that is, real estate ownership certificate and state-owned land certificate;

2. Room age ≤20 years;

3. It can be listed and traded normally;

4. No property rights;

5, easy to realize, easy to cash in value.

If the borrower's qualification is not very good and he can't get a loan from the bank smoothly, he can also consider a local formal loan company if he has real estate as collateral. Compared with banks, loan companies not only lend money quickly, but also have lower thresholds, but charge more.

Second, how to mortgage the real estate license

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

How to mortgage the real estate license

1. Prepare relevant materials: the bank prepares relevant materials, such as ID card, household registration book, marriage certificate, real estate license, house purchase contract, etc.

2. Bank running bills: In addition to avoiding risks, borrowers are also required to have good credit and economic strength, so banks will require borrowers to provide bank running bills for nearly half a year.

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%. You can choose a loan with equal principal and interest and average capital according to your own economic situation.

4. Bank review mortgage: review housing qualification after application.

5. Handling relevant formalities: the bank agrees to approve relevant personnel to go to the housing management department together.

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 residents of Hong Kong, Macao and Taiwan 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 life

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

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

6. Open a personal settlement account in the bank.

7. Other conditions stipulated by the bank.

Editor's summary: After reading the above introduction, I believe that there are further information on the application conditions of mortgage loans and real estate licenses. Please continue to pay attention to our website, and more exciting content will be presented to you in the future.

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3. Can the 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; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender. Supplementary information: 1. Information required for handling bank loans: 1, valid identity documents; 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. 2. Bank loan requirements: 1, 18 years old with full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificate, and the age of the lender of bank loan is generally between 18-60; 2. Have a stable legal income and the ability to repay interest; 3. Other conditions required by the lending bank. Third, the procedure is generally divided into three steps: 1, the customer submits basic information, including the work unit and contact 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.

Fourth, can the real estate license be mortgaged?

You can use the real estate license to mortgage the loan, but you must ensure that the real estate license has been completely transferred (the money has been fully paid, the house belongs to you completely, and the name on the real estate license is yourself).