Can I get a loan with a real estate license?
Houses with real estate licenses may not be able to borrow from banks, but also meet other regulations. Housing loans generally require real estate licenses and land certificates. Only real estate licenses can be used, and land certificate banks may not be able to lend.
1. Conditions for mortgaging the real estate According to the loan regulations, the property rights of the house should be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without any other mortgage. The age of the house (calculated from the date of completion of the house)+the loan period shall not exceed 40 years. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others.
2. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
Can't I get a real estate license loan?
Others can't be handled, because the property mortgage needs the owner's personal signature and fingerprint confirmation. If others handle mortgage loans by improper means, they can sue the bank and the parties through legal means. Housing mortgage loan application materials are as follows:
1, real estate license (the real estate license and land certificate in mortgage bank loans must be mortgaged to the bank);
2. Identity cards of the obligee and his spouse;
3. Household register of the obligee and spouse;
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. );
6. If the owner of the real estate license has minor children, please provide a birth certificate;
7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).
It is also a good idea to apply for a loan with your own real estate license. Pay attention to the specific process. The above is about whether you can get a loan with a real estate license and whether you can get a loan with a real estate license. When buying a house, you must pay attention to the specific procedures and prepare your own relevant documents.