ICBC's mortgage loan only needs to be based on the real estate license, and the land certificate is not needed. If it is a credit loan, nothing needs to be pressed; If it is a business land (such as a factory building) loan, it needs to be based on the real estate license and land certificate.

Second, does the bank loan press the real estate license?

ID card, marriage certificate, land certificate, real estate license, income certificate, bank card running account and loan purpose can be applied directly to the mortgage department of CCB.

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I left my title certificate in the bank when I applied for a loan. When can I take it out? What are the procedures?

After the bank formalities are completed, it will usually be stored for about one month and then returned to you. You can ask when the bank can get it. When you get it, the bank will indicate that it has been mortgaged on your real estate license, which means you can't mortgage this real estate license any more. If you want to buy or sell, you must cancel the mortgage.

Fourth, is the bank loan to buy a real estate license in the bank?

Subjectivity of law: Under normal circumstances, buying a house with a loan will mortgage the real estate license in the bank. However, some banks will return the real estate license after completing the loan procedures. So whether it will be mortgaged in the bank depends on the requirements of the bank that actually handles the loan. According to Article 394 of the Civil Code, which came into effect in 202 1 1, if the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor to guarantee the performance of the debt, the debtor fails to perform the due debt or the creditor has the priority to be compensated for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Legal objectivity: Article 394 of the Civil Code guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.