First, you can apply for a mortgage loan only if you have a real estate license.
As long as you can repay the mortgage on time, there is no serious problem, and the property is of course habitable if it is sealed up by the bank.
If a friend in Beijing needs a loan, you can call me with your user name.
2. Can Wenzhou New Real Estate Certificate 202 1 be used as a mortgage loan?
2o2 1 Wenzhou new real estate license can be used as mortgage loan!
3. Can I get a loan just after I get the real estate license?
Real estate license loan is actually 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. Conditions for applying for loan with real estate license: 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 get the consent of others and have proof of consent to mortgage; 2. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not 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. Someone in the real estate * * * recognizes its loan and guarantee behavior 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 for trading without 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.
Fourth, can the new real estate license be mortgaged?
No problem.
The newly bought house can be mortgaged. However, if the bank will not approve the loan application, if the mortgage house under construction cannot be repaid in time, the bank will not be able to handle the housing filing and property certificate. Everyone should pay attention to this when buying a house.
What are the conditions for mortgage loan? You can apply for a house shared by both parties or others, or even apply for a house of others, but your house must be a "property without ownership dispute". In addition, banks will also reject the housing of "small property houses" because there is no land use certificate and pre-sale permit issued by the state and the purchase contract cannot be filed with the Housing Authority.
In addition to the above-mentioned conditions about real estate, the personal requirements are that the age is relatively loose, generally between 22 and 60 years old, the income is stable, there is no bad record, and the debt ratio does not exceed 50%, which basically meets the requirements for applying for real estate mortgage loans. If the borrower is a married person, the relevant documents and contracts of both husband and wife are required.
How to apply for a mortgage loan?
1. Handle the property value appraisal of existing home mortgage loan, obtain the information of the real estate appraisal report issued by the appraisal agency, and sign the real estate mortgage contract. Third, the borrower signs a loan contract with the bank. Fourth, the bank issues loans after approval. Finally, repay the loan, cancel the mortgage and get back the real estate license.
2. Mortgage for faster housing: The borrower signs a house purchase loan contract in the bank with the pre-sale contract, the original and photocopy of the house advance payment receipt, and the original and photocopy of the husband and wife marriage certificate. After the bank approves the loan, the real estate license is handed over to the bank. After the repayment, the borrower went to the bank to cancel the loan and get back the real estate license.
Housing mortgage loan manager
1. loan application: the borrower proposes the purpose, amount and term of the loan;
3. Housing evaluation: the mortgaged house should be investigated and evaluated by relevant institutions;
4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval;
5. Notarization of loan contract;
6. Mortgage registration procedures;
7. Open an account and lend money.
Legal basis:
Article 394 of the Civil Code of People's Republic of China (PRC) stipulates that in order to guarantee the performance of the debt, the debtor or the third party does not transfer the possession of the property, and the property that I fail to perform the due debt or the parties agree to realize the mortgage is given priority.
The property provided by the debtor or a third party as mentioned in the preceding paragraph shall be used as collateral.