Under normal circumstances, you can't make a mortgage loan.

If you want to make a mortgage loan, you must first have the ownership of the house and have a strong repayment ability. Because the mortgage loan amount is generally high, the personal qualification requirements for users are also very strict. If you want to apply for a mortgage loan through offline channels, there are indeed some lending institutions that will give you the next payment, but the fees charged by these lending institutions are not standardized. I also suggest that you choose carefully.

1. Have you seen the credit information of the mortgage loan?

Mortgage loans are also subject to credit investigation. Under normal circumstances, mortgage loan refers to bank loan, and applying for a loan in a bank often pays more attention to the applicant's credit information. If the user's credit information does not meet the requirements, even if the mortgage is provided, the loan application will not pass. Collateral is only a kind of guarantee, and credit information is a record of user credit.

2. How many years can the mortgage loan last?

The length of mortgage loan is related to collateral. Generally speaking:

① The loan term of real estate mortgage loan is relatively long, generally around 1-20 years, and you can apply for a real estate mortgage loan of up to 30 years;

② The service life of automobile mortgage is short, generally around 1-3 years, and the time for handling automobile mortgage is different for different financial institutions.

③ The loan term of some financial assets mortgage loans is short, such as national debt mortgage loans, and the longest loan term is 1 year or less than the maturity date of national debt.

3. How long can the mortgage loan be released?

The time of mortgage loan is related to the type of mortgage loan, the flow speed of bank funds and the amount of loan, which cannot be generalized. Usually, the lending time of bank mortgage loans is about 3 days after approval, and car mortgage loans will be released on the day of approval. Users can check the specific loan progress through online banking, mobile banking, bank customer service hotline, bank business outlets counters, etc.

4. Can the mortgaged property be transferred?

Depending on the bank, the mortgaged property is generally not transferable, but both parties can go to the bank to negotiate. If the bank agrees, both parties can go through the relevant formalities with the materials. If the bank doesn't agree, it won't work. You must repay the loan and cancel the mortgage before you can transfer the ownership.

5. What is the repayment method of mortgage loan?

There are several repayment methods of mortgage loans, among which the most important repayment methods are equal principal and interest repayment, average principal repayment and one-time principal and interest repayment. One-time repayment of principal and interest is mainly applicable to mortgage loans with a loan term of less than one year, and the interest generated by the average principal repayment method is less than that generated by the equal principal repayment method.

Credit information is not good, can I make a mortgage loan?

Under normal circumstances, you can't make a mortgage loan.

If you want to make a mortgage loan, you must first have the ownership of the house and have a strong repayment ability. Because the mortgage loan amount is generally high, the personal qualification requirements for users are also very strict. If you want to apply for a mortgage loan through offline channels, there are indeed some lending institutions that will give you the next payment, but the fees charged by these lending institutions are not standardized. I also suggest that you choose carefully.

First, the qualifications of housing mortgage loans are relatively strict.

If you apply for a mortgage loan from a bank, the bank will examine the qualifications of such users very strictly. After the bank confirms your house ownership, you may need to provide further proof of income to prove your repayment ability in this way. In addition, the bank will also check your personal credit. If your personal credit record is not good, the bank will not give you money.

Second, mortgage loans are risky.

For banks, because the amount of mortgage loans issued by banks is generally high, banks will strictly screen such users. For the user himself, the loan amount applied by the user is really high, and the monthly repayment pressure is great. I don't recommend that users take the initiative to apply for mortgage loans unless they have to. This is a high-risk leverage behavior.

Third, ordinary lending institutions may give you the next payment.

At present, there are many loan channels on the market, and the bank channel is the most formal. In addition, you can also apply for a mortgage loan offline. This kind of housing mortgage loan is mixed, many institutions are informal, and there are no basic loan contracts. Personally, I strongly advise you not to apply for this kind of loan, because you are likely to encounter usury. Not only will this not help you solve the problem, but it is also likely to get you into the quagmire of debt.

To sum up, people with poor credit information cannot apply for mortgage loans in banks.

Can I mortgage a loan with a real estate license if my credit is bad?

If the credit information is not good, the user can't apply for a mortgage loan with the house mortgage.

One of the application conditions of mortgage loan is that the applicant has good credit information and poor credit information does not meet the application conditions of mortgage loan. Even if the loan application is submitted, the bank will directly refuse it. Therefore, users must wait until the credit information is restored before they can apply for a mortgage loan.