need
If a mortgage loan requires a real estate license, it must be provided when handling the mortgage loan. According to the standards stipulated by financial institutions, the collateral of mortgage loan is real estate, so users who apply for loans need to provide real estate licenses. Among them, the specific loan term is comprehensively evaluated by the bank according to the borrower's credit status, income level, liabilities and the completeness of the information provided.
Second, do you need to seize the real estate license for mortgage loans?
Legal analysis: the mortgage of real estate license depends on the housing situation. The mortgage is in your own hands. It doesn't mean that if you mortgage the loan, the bank will take it away, and the bank will only be pressured by his right certificate not to take the house.
Legal basis: Article 397 of the Civil Law of People's Republic of China (PRC) is mortgaged by a building, and the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.
The mortgagor does not regard the property as joint mortgage.
3. Is it necessary to seal up the real estate license for mortgage loans?
Legal analysis: the mortgage of real estate license, whether the real estate license should be taken to the bank depends on the situation. The mortgage is in your own hands. It doesn't mean that if you mortgage the loan, the bank will take it away, and the bank will only be pressured by his right certificate not to take the house.
Legal basis: Article 397 of the Civil Law of People's Republic of China (PRC) is mortgaged by a building, and the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.
If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage.
4. Do you need a real estate license for real estate mortgage loans?
must have