2. If an individual wants to get a real estate license loan, then the lender must be a legal citizen with full civil capacity in China, with legal and stable economic income and certain repayment ability. In addition, the property rights of the house must be clear, not mortgaged, and the conditions for listing and trading need to be met.
3. If the mortgaged property is owned by the lender and a third party, a statement that someone agrees to mortgage is required when handling the loan. In order to avoid the phenomenon of using real estate to offset the loan debt, the lender must choose the appropriate loan amount, loan term and loan method according to the economic situation of himself and his family members.
4. Under normal circumstances, the longest loan period is 30 years, and the loan amount generally cannot exceed 70% of the appraised house price. In addition, when applying for a loan, the sum of the remaining service life of the house and the loan life cannot exceed 40 years, and the sum of the lender's age and the loan life cannot exceed 60 years. In excess, the lender may not apply for a loan.
The above is a detailed introduction about whether individuals can use real estate license loans, hoping to help friends in need. Individuals can apply for loans with real estate licenses. If the mortgaged real estate license belongs to others, there must be a written undertaking that the owner of the house agrees to mortgage his property.
Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or the competent authority). The borrower applying for a loan should have the basic conditions such as marketable products, profitable production and operation, not misappropriating loan funds, and abiding by credit, and should meet the following requirements: 1. The borrower has the ability to repay the principal and interest on schedule, and has paid off the original loan interest payable and the loan due; If there is no repayment, a repayment plan approved by the lender has been made. Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic deposit account or general deposit account has been opened. Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets. V. The borrower's asset-liability ratio meets the requirements of the lender. Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.