You don't need a replacement card.

Housing mortgage loan application materials:

Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);

Identity cards of the obligee and his spouse;

Household register of the obligee and spouse;

Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);

Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. );

If the owner of the real estate license has minor children, please provide a birth certificate;

If the property has a bank loan, please provide the original loan contract and the latest bank statement;

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. ).

2. What are the procedures for mortgage loan with real estate license?

1. What can be used as collateral for bank mortgage loans?

1. 1

Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and then the loan can be evaluated.

1.2

Is it necessary to renew the real estate license that was transferred twenty years ago?

The old real estate license before 1983 has the same legal effect as the current red book, but it cannot be transferred or mortgaged for special reasons. In order not to affect the use, the relevant staff of Taiyuan Housing Management Bureau reminded that the old real estate license could not be transferred and the mortgage time was too long to be renewed.

According to 1988 "Implementation Measures of Urban Housing Ownership Registration in Taiyuan City", the former housing management bureaus in the southern suburbs and northern suburbs (now xiaodian district and jiancaoping district) once registered houses on the state-owned land in their respective administrative areas, resulting in some residents' real estate licenses not being unified versions of later real estate licenses.

Nowadays, the use of this part of the real estate license has been restricted, that is, this part of the owners can not handle mortgages, loans and other businesses. In this regard, Taiyuan Housing Management Bureau reminded that if a citizen's real estate license was issued by xiaodian district Housing Management Bureau or jiancaoping district Housing Management Bureau before 1 983 March1,and the house is located on the original state-owned land, but the property license uniformly printed by the state has not been renewed so far, he should submit an application for renewal to the urban housing management bureau as soon as possible, so as not to hinder citizens from exercising their rights when using the real estate license.

Link: The premise permits the buyers to obtain the legal ownership of the house through the transaction, and can exercise the rights of possession, use, income and disposal of the purchased house according to law. That is, ""is the legal proof that the state protects the ownership of houses according to law. Proof that the owner manages and uses his own house. The real estate license includes the house ownership certificate. In general, the real estate license is the abbreviation of the house ownership certificate, which is a certificate issued by the real estate registration authority to prove the ownership of the house. 20 1 1 In late August, the tax authorities said that if the property was added, the deed tax would be levied at half of the house price.

As one of the certificates, the real estate license has the following remarkable features:

(1) The real estate license can only be issued by the competent department.

(2) The real estate license is a written proof of the ownership of a specific house, which can record the status of a specific house and whether a security interest is set.

Based on the principle of "one room, one certificate", that is, the house with independent building structure and use function (including distinguishing all houses) has only one ownership, and the real estate registration can only have one ownership registration, and accordingly only one real estate license can be issued.

(3) The real estate license can only be issued to a specific person. If the house is owned by * * *, in addition to the house ownership certificate, you can also issue a certificate of ownership of * *.

(4) The real estate license is the ownership certificate issued to a specific obligee by the registration authority after registering the ownership of a specific house, and the contents of the real estate license shall be consistent with the contents of the register.