When buying a house, when an individual applies for a real estate mortgage loan, if he wants to use the real estate as collateral, he must provide a real estate license, but if he wants to borrow money, it is definitely not possible to have a real estate license alone. Generally speaking, the real estate license, that is, the "house ownership certificate", is a legal certificate for the state to protect the ownership of houses according to law. Proof that the owner manages and uses his own house. Property ownership certificate includes house ownership certificate and house ownership certificate. Some areas also need to provide land certificates.
Only when the documents are complete can the mortgage registration formalities be handled in the Housing Authority, and the lending institution can obtain the house ownership certificate. Before the cancellation of his certificate, the borrower cannot handle the transaction and transfer of the property. When the borrower fails to fulfill the repayment obligation on schedule, the property is auctioned and the lending institution can get compensation first. Therefore, only when the lending institution has obtained other certificates can it secure loans.
Although banks and other financial institutions have some differences in the requirements of real estate mortgage loans, they basically require borrowers to have good personal credit records and sufficient repayment ability.
When applying for real estate mortgage loans from banks and other lending institutions, you should prepare the corresponding application materials. Personal identification materials such as ID card, household registration book and marriage certificate, and proof of repayment ability such as real estate license, personal running water (salary running water or other personal running water) and work certificate are necessary materials for applying for real estate mortgage loan. So the real estate license is necessary, but not the only one.
Personal credit record is one of the important factors that banks and other financial institutions consider when buying a house loan. Now is the credit society. With the gradual opening of the bank credit information system, personal credit information has been paid more and more attention. Many institutions will check whether there are bad credit records in personal credit information when reviewing the qualifications of borrowers. Individuals can also log in to the central bank's credit information system before the loan, or get a credit information report from the People's Bank of China or a designated bank authorized point to know the credit information records and liabilities in advance.
If you only have the real estate license, you can also apply for some loans: it takes a long time to apply for a real estate mortgage loan, about 65,438+00 to 25 working days. Generally speaking, for applicants with high amount and long loan period, because the amount of a real estate mortgage loan can reach about 70% of the real estate assessment price, the loan period can be as long as 20 years. Another way is to apply for an unsecured loan with real estate license, which takes a short period, about 1 to 3 working days, generally for low capital demand and emergency funds.