The real estate license is not your own name, so you can't borrow money. Because the real estate mortgage loan must be handled by myself with an ID card. If the real estate license is not my name, the lender must ask the real estate license to write a real estate mortgage entrusted loan agreement and obtain notarization and notarial certificate. Lenders need to bring power of attorney, notarial certificate, real estate license and identity documents to the loan bank for loan procedures.

What should I pay attention to in mortgage loan of real estate license?

1, loan purpose

Many people wonder, what are the risks of loan use? In fact, with the tightening of credit policy, banks also have certain restrictions on the use of real estate license mortgage loans.

Generally limited to personal consumption and business scope. High-risk investment behaviors such as stocks, securities and futures spot, as well as violations of laws and regulations, are prohibited by banks. Therefore, the loan funds should be used correctly.

Step 2 repay

Mortgage loan with real estate license is a product with large financing amount and long repayment period. Therefore, before handling it, you need to make a self-examination of your economic situation for a long time to come.

Make sure you have the ability to repay the loan. Because in the case of unreasonable loan repayment, the bank has the right to go through legal procedures and auction your mortgaged property, and the proceeds will be used to repay the loan principal and interest first.

3. Loan channels

If you want to be safe, find a bank. After all, the source of funds is absolutely safe. If you are looking for a private lending institution, you need to pay attention to whether the institution is legal and compliant.

How to apply for mortgage loan of real estate license

Relevant materials prepared by the borrower: Before the loan, the borrower needs to provide a lot of materials to the bank, including ID card, household registration book, marriage certificate, real estate license, house purchase contract, and real estate license mortgage loan to the bank:

1. Submit the loan application and related materials to the bank first.

2. Then the bank will appoint an appraisal agency to appraise the property you want to mortgage, and the appraisal center will issue an appraisal report.

3. Submit the evaluation report to the bank for review.

After the approval, the bank asks to sign a loan contract with you.

You need to go through the mortgage formalities. After the formalities are completed, the bank will give you a loan.