Can I get a loan without a real estate license?
It is understood that a house without a real estate license can never be loaned. When using real estate as a mortgage loan, the essential information is the real estate license. No real estate license means that the owner of the house only has the right to live in the house and has no right to use it. Therefore, it is impossible to get a loan without a real estate license.
However, if the borrower has a stable and legal income source and good credit, he can directly apply for unsecured loans when he needs funds. This avoids the dilemma that you can't get a loan without a real estate license. The loan amount of unsecured loans is mainly related to the borrower's income and credit status. For details, please consult the loan consultant directly on the home page.
Loans are gradually emerging with the change of people's consumption concept. What is real estate mortgage? How to handle the mortgage loan of real estate license is a concern of many buyers after buying a house, because buying a house takes up a lot of money. What if you need money badly and don't want to sell the house? This article will introduce you to the legal issues related to the mortgage loan of real estate license.
What is a mortgage loan with real estate license, and what conditions should the lender meet?
(1) What is the mortgage of real estate license:
Mortgage loan of real estate license refers to a kind of credit method that buyers apply for loans from banks with real estate as collateral to obtain funds, and then repay the principal and interest to the banks in stages or at one time. Mortgage loan of real estate license is a way for house owners to borrow money from banks as consumption mortgage or to solve the problem of funds. Owners can get a certain amount of money to solve their urgent needs without selling their houses.
(2) The lender shall meet the following conditions:
First of all, the actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;
Secondly, there is a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
Third, willing and able to provide real estate mortgage recognized by the lender;
Fourth, some people in real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.
What conditions do you need to meet for a mortgage house?
(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;
(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;
(three) the mortgaged house is not included in the local urban transformation and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department;
What needs to be reminded here is that the owner of the mortgaged property can be the borrower himself or someone else. Where other people's property is used as collateral, the mortgagor must issue a written commitment to allow the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
How to handle the mortgage loan of real estate license?
(1) The borrower shall provide the following information:
1, borrower's ID card, household registration book, marriage certificate and borrower's spouse's ID card and household registration book;
2. Personal income certificate of the borrower (official seal);
3. The original and photocopy of the house ownership certificate and the original purchase agreement;
4. The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use.
(2) Loan financing, term and interest rate:
The starting point of real estate mortgage consumer loan is 5,000 yuan, and the maximum value does not exceed 70% of the mortgage real estate assessment value. Generally, the loan term does not exceed 5 years, and the longest loan term can reach 10 year. The loan interest rate shall be implemented according to the commercial loan interest rate stipulated by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis.
(three) the process of handling loans:
1. Handling existing home mortgage loan: First, the borrower needs to find an appraisal agency to evaluate the value of the property and obtain the real estate appraisal report issued by the appraisal agency. Secondly, both husband and wife were present to submit the above information and sign a real estate mortgage contract. Third, the borrower signs a loan contract with the bank. Fourth, the bank issues loans after approval. Finally, the borrower repays in installments or in one lump sum, cancels the mortgage of the house property and gets back the real estate license.
2. Mortgage for faster housing: The borrower signs a house purchase loan contract in the bank with the pre-sale contract, the original and photocopy of the house advance payment receipt, and the original and photocopy of the husband and wife marriage certificate. After the bank approves the loan, the real estate license is handed over to the bank. After the repayment, the borrower went to the bank to cancel the loan and get back the real estate license.
The above are related questions, such as can I get a loan without a real estate license? I hope I can help you. At the same time, if you need money urgently, you can use the real estate license as collateral and borrow money from the bank. Here, I would like to remind property buyers that although handling loans can solve short-term problems, they should fully consider their future income and debt repayment ability to avoid problems such as the mortgage of the house can not be recovered.
(The above answers were published on June 6, 2065438. Please refer to the actual purchase policy. )
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