Can I get a loan with a real estate license?
You don't have to have a real estate license to get a loan from a bank. You also need other conditions, such as good credit and strong repayment ability.
1. Housing mortgage loan, also known as mortgage, means that the bank provides the lender with most of the house purchase money, and the buyers pay the principal and interest to the bank in installments with stable income, but before paying off the principal and interest, they mortgage the bank with their house purchase contract as collateral. If the buyer fails to pay the principal and interest on time, the bank can sell the house to offset the arrears.
2. When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.
What materials do I need to apply for a loan with a real estate license?
You can borrow money from the bank if you have a real estate license, and you must have other documents. Details are as follows. Information required for applying for housing mortgage loan:
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. proof of income (this proof has a great influence on the success of the mortgage bank loan and the maximum amount).
5. If the property owner has minor children, please provide birth certificate.
6. If there is a bank loan for the property, please provide the original loan contract and the last bank statement.
7. 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. ).
With the real estate license, you can apply for a loan. You can consult the bank and apply according to the regulations of the bank. The above is about the introduction of the materials needed to apply for a loan with a real estate license. Everyone should consider it comprehensively and pay attention to the specific processing procedures and details.