Of course. As long as you are willing to use the real estate license as collateral, you can get a loan. The risk is that if the lender fails to repay the loan in time, the lender can auction your house as collateral. Of course, if someone takes your real estate license to get a loan, you have to agree and go through the formalities in person. If only someone else takes your real estate license to get a loan, it won't do. Generally, who will be willing to lend to others with their own real estate license, this must be thought clearly. According to Article 25 of the General Rules for Loans, if a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender. Supplementary information: 1. Information required for handling bank loans: 1, valid identity documents; 2. Proof of permanent residence or valid residence, and proof of fixed residence; 3. Proof of marital status; 4. Bank flow; 5. Proof of income or personal assets; 6. Credit report; 7. Loan use plan or statement; 8. Other information required by the bank. 2. Bank loan requirements: 1, 18 years old with full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificate, and the age of the lender of bank loan is generally between 18-60; 2. Have a stable legal income and the ability to repay interest; 3. Other conditions required by the lending bank. Third, the procedure is generally divided into three steps: 1, the customer submits basic information, including the work unit and contact number; 2. The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed and small and medium-sized enterprises; 3. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.

I want to mortgage my house and get a loan from the bank.

Hello, your qualifications are very good. It's easier to get a loan from a bank.

First of all, we need to know what mortgage loan is. There are two kinds of mortgage loans, one is personal consumption loan and the other is personal business loan. The so-called bank consumption loan is a loan issued by a banking institution to individual consumers for purchasing durable consumer goods or paying for other consumption. In other words, use the bank's money to run your own business and buy your own things, such as cars, furniture, color TVs, refrigerators, computers and so on. Even apply for a bank loan to go on holiday for further study. Personal business loans, as the name implies, are secured by their own property to obtain bank financing for commercial purposes.

Mortgage application conditions: not all houses can be mortgaged with bank loans. First of all, the rigid requirements of most banks are that the age of the house is within 15, the area is over 60 square meters, and the loan application amount cannot be less than 300,000. Applicants should have extra rooms. And provide repayment sources and loan purposes, such as personal flow, invoices, etc. Some people think that their houses are in a good location and the market price is high, so they can definitely apply for mortgage bank loans from banks. This is wrong. When banks apply for loans, the first thing to consider is risk.

Mortgage bank loan interest rate: Because the economic environment is changing and the interest rate is also changing, consumer loans should at least go up 10-30% now. Not to mention personal business loans, it is possible to float 40-50%. Therefore, when applying for a loan, you should consider your repayment ability, otherwise the monthly pressure will be too great, which will be very hard and embarrassing.

Repayment method of mortgage bank loans: Personal consumption loans are generally repaid with equal principal and interest, and the loan term is 10 year. Personal business loans are divided into two types: equal principal and interest and interest before principal. The loan term is 10 year and 1 year respectively.

Information to be provided for mortgage bank loans:

Personal identification, household registration book, proof of residential address and proof of marital status.

◆ Personal income certificate or asset status certificate.

◆ Proof of property right of mortgaged house.

◆ If the applicant mortgages other people's property, it is also required to provide the ID card of the property owner (including the owner of * * *), proof of marital status and written proof of consent to mortgage.

Loan process

◆ The borrower applies and submits relevant materials.

◆ Conduct real estate appraisal and pre-loan investigation and approval.

◆ Pass the examination and approval and go through the mortgage registration formalities.

◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract.

◆ Settle the loan principal and interest and recover the mortgaged house.

I want to use my house as collateral. Where should I go?

If you need a loan, you only need to submit an application online for your review to solve your problem-you only need to fill in your loan requirements and your information (no need to fill in personal identification information and other privacy), and the financial planner of Easy Loan China will choose a bank suitable for you for your residence, and you have the right to choose any bank in the process until you are satisfied. Fast application channel: http://www.ndex. Dashi = Lianshan online loan application platform, cooperating with more than 20 banks/microfinance companies nationwide, including China Bank, China Industrial and Commercial Bank, Shenzhen Development Bank, Standard Chartered Bank, Industrial Bank and Shanghai Pudong Development Bank. Online application process: online application-easy loan China financial consultant contacts the applicant and verifies-submits the application to the bank/microfinance company to contact the applicant-an application business, and many financial institutions respond! It takes 2 weeks for an individual, and 2 weeks for a company loan is 1, which reduces the cost outside the loan! Easy Loan China Easy Loan China has many kinds of loans, among which personal credit loans and housing loans are free of service fees nationwide, and their service fees are -3%. This is the lowest service fee among peers, which saves the lender's fee other than the loan, and solemnly promises that the task fee will never be charged before the loan is obtained! Friendly reminder: the online application will be reviewed on the same day (9: 00- 18: 00, except weekends). Please continue to check the situation by phone/hand. The online application is approved by telephone for three times, and the loan application is deemed invalid. Generally, I will contact you by phone the day after the online application (9: 00- 18: 0) to provide a suitable financing plan for the loan applicant, and then the loan applicant can consult in detail.