Second-hand housing loan mortgage real estate license to the bank?
After the second-hand housing loan, the real estate license should be mortgaged in the bank. If you buy a second-hand house through a commercial loan, then you apply for a house purchase loan, and the real estate license is mortgaged to the bank. After you repay the loan, go through the formalities of clearing the mortgage, and then cancel the mortgage, and you can get the real estate license.
Before the loan is paid off, the registered real estate has been recorded in the real estate file, and it is not allowed to buy or sell. There is no need for the bank to require the lender to mortgage the real estate license to the bank. Housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building of the house transaction as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan.
What are the risks of mortgage?
1. Many people are puzzled about the purpose of the loan. What are the risks in the use of loans? In fact, with the tightening of credit policy, banks also have certain restrictions on the use of mortgage loans for real estate licenses. Generally limited to personal consumption and business scope. Banks explicitly prohibit high-risk investment behaviors such as stocks, securities and futures spot. Therefore, the loan funds should be used correctly.
2. In terms of repayment, mortgage loan with real estate license is a product with large financing amount and long repayment period. Therefore, before handling it, you need to make a self-examination of your economic situation for a long time to come. Make sure you have the ability to repay the loan. Because in the case of unreasonable loan repayment, the bank has the right to go through legal procedures and auction your mortgaged property, and the proceeds will be used to repay the loan principal and interest first.
The safest way to borrow money is to find a bank. After all, the source of funds is safe. If you are looking for a private lending institution, you need to pay attention to whether the institution is legal and compliant. Never pay any fees before you get the loan to avoid being cheated.
Should I prove the mortgaged property to the bank for the second-hand housing loan? What are the risks of mortgage? After reading the introduction, we should have a positive answer, and the mortgage of real estate license will face some risks. For example, there will be some pressure on repayment and there are many ways to borrow money. The repayment amount is different in different ways, which requires a lot of understanding.