What should I pay attention to when mortgage bank loans with real estate license?
1, real estate license mortgage bank loan Note that the biggest difference between housing mortgage loan and other loans is that when the borrower fails to repay the loan for a long time and has to do it, the bank will auction the mortgaged house to make up for the economic losses. Therefore, when banks approve mortgage loans, they will pay special attention to the credit records of borrowers and generally choose borrowers with good reputation to cooperate. If you have overdue users for more than three times in a row in two years, or accumulated overdue users for more than six times, then it is estimated that it is difficult for you to apply.
2. The real estate mortgage needs to be the real estate under the borrower's name. If others have it, they must have a statement agreeing to the mortgage.
3. If there is divorce in the marriage certificate provided, a divorce agreement or a court judgment is required; If you are single after divorce, you need to provide proof that you have not remarried after divorce.
It is impossible to apply for a mortgage loan for a house that has not paid off the loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again.
When approving the loan, the bank will not only consider whether the borrower's credit record is good, but also examine whether the borrower has enough repayment ability. Therefore, if you don't have a stable job, or can't provide proof of income and work, or can't provide bank running water, you will generally be recognized by the bank as a person with worrying repayment ability, and you are not eligible to apply for mortgage loans or even other loans.
What materials are needed for mortgage real estate license loan?
Existing home mortgage requires a real estate mortgage contract (signed by both husband and wife); Housing ownership certificate; Copy of land use right certificate (original inspection); A real estate appraisal report issued by a qualified appraisal agency; Bank loan contract; Proof of the relationship between husband and wife and a copy of the identity cards of both parties (original inspection), and a certificate issued by the civil affairs department where the household registration is located for singles.
Mortgage of forward house. Pre-sale contract for house purchase; Signing a house purchase loan contract with the bank; Copy of advance payment receipt for house purchase (original inspection); Copy of marriage certificate of husband and wife (original inspection), certificate issued by the civil affairs department where the household registration is located.