How to borrow money with real estate license
How to borrow with real estate license? You can apply for mortgage loan with real estate license. Mortgage loan funds are widely used, generally used for decoration, medical treatment, wedding, study abroad, car purchase, house purchase and other consumer projects.
First, the loan process
1, How to use the real estate license loan, real estate license (the real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan). Identity cards of obligee and spouse. Household registration book of obligee and spouse.
2. proof of income (this proof has a great influence on the success of the loan and the amount of the mortgage bank loan). If the owner of the real estate license has minor children, please provide birth certificate. If the property still has a bank loan, please provide the original loan contract and the last bank statement. In order to improve the pass rate of mortgage loan, please provide as many other family property certificates as possible (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).
Second, how to use the real estate license to obtain a loan, and the application conditions:
1, a citizen of China (excluding Hong Kong, Macao and Taiwan), aged 18-65, a wage earner and a business person who has worked in the current unit for more than six months continuously (if it is less than six months, but the work content of this unit is the same as that of the previous unit, the working years of the previous unit can be accumulated).
2. There are no minors under the age of 18 and no adults over 70 years old (including 70 years old) in the owner of the mortgaged house.
3. If the property is mortgaged for the second time, the mortgagee of the house must be a bank.
4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city).
Matters needing attention in real estate license loan
1. Matters needing attention in handling real estate license loan, the information provided to the bank should be true, the address and contact information provided should be accurate, and the bank should be informed in time when there is any change.
2. The loan purpose should be legal and compliant, and the transaction background should be true.
3. According to your repayment ability and future income expectations, choose the repayment method that suits you.
4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount should not exceed 50% of the total family income.
Read the terms of the contract carefully and know your rights and obligations.
6. Precautions for the use of real estate licenses The loan should be repaid on time to avoid bad credit records.
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.
8. Matters needing attention in using real estate license loan. Advance repayment must be communicated with the bank one month in advance before it can be processed.
The above introduction is very clear about how to borrow money with real estate license and the matters needing attention in borrowing money with real estate license. You should prepare the relevant information when handling it, which will be more convenient when handling it again. In addition, there are actually many problems related to real estate license loans, and there are certain risks, so you should choose clearly before making a decision.