Fake real estate license mortgage loan
Of course, it is not feasible to use fake real estate licenses for loans. First of all, the real estate license belongs to the national certificate, which is the main proof of real estate ownership.
It's hard to forge. Even if you use a fake real estate license to get a loan, it is very easy to be traced and prosecuted. It is very undesirable to use fake real estate licenses for loans. Once found, they will bear criminal responsibility for the crime of forging state certificates and fraud. Therefore, if there is no real estate license in hand and there is a loan demand, you may wish to obtain a loan through credit, third-party mortgage and other forms.
Mortgage loan process of real estate license
1. Borrower prepares relevant materials: Before the loan, the borrower needs to provide many materials to the bank, including ID card, household registration book, marriage certificate, real estate license and house purchase contract. Bank statement: according to the value of the house, the bank's mortgage amount is different. In addition to mortgage real estate license, banks also need borrowers to have good credit and economic strength in order to better avoid risks.
2. Apply for a loan from the bank: the amount of housing loan is generally more than 5,000 yuan, and the value of the property is less than 70%. The expected annualized interest rate of the loan will rise by a certain percentage according to the benchmark expected annualized interest rate of the central bank. The loan term is generally 5 to 30 years, and the repayment methods generally include equal principal and interest, equal capital and so on. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation.
3. Bank review of mortgage: After applying for mortgage, the bank began to review the qualifications of borrowers. After the approval of the bank, go through the relevant formalities: after the bank approves the mortgage of the borrower, the borrower needs to go to the local delivery room management department at or above the county level to go through the mortgage registration formalities with the bank clerk.
4. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. But because it is a housing loan, generally speaking, the bank loan will directly hit the account of the real estate developer and will not be paid directly to the borrower.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled out by the buyer to the loan bank, providing proof documents that must be submitted according to legal documents such as ID card and income certificate. After passing the examination, the lending bank promises a loan to the buyer. Real estate license mortgage loan process? So much for the content.