A copy of the real estate license cannot be mortgaged.

1. When handling real estate mortgage registration, the following documents shall be submitted to the registration authority:

2. The identity certificate or legal person qualification certificate of the mortgagor;

3. Application for mortgage registration;

4. Mortgage contract;

5. State-owned land use right certificate, house ownership certificate or real estate certificate. * * * Some houses must also submit the house ownership certificate and the proof that other * * * people agree to mortgage;

6. Documents and certification materials that can prove that the mortgagor has the right to set mortgage;

7. Information that can prove the value of mortgaged real estate;

8. Other documents deemed necessary by the registration authority. Therefore, the copy of the real estate license cannot be mortgaged separately.

I. Housing loan

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled out by the buyer to the loan bank, and legal documents such as ID card, income certificate, housing sales contract and guarantee letter must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

Second, the common sense of loan interest

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30, and monthly interest rate (‰) = annual interest rate (%)÷ 12.

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term.

There are three specific types: if the interest period is a whole year (month),

The interest-bearing formula is: ① Interest = principal × years (months) × interest rate. If the interest period has a whole year (month) and several days,

The interest-bearing formula is: ② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate. At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month.

The interest-bearing formula is: ③ Interest = principal × actual days × daily interest rate.

(3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.

(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.

(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.

(six) the method of making and filing interest.

Can I borrow a copy of the real estate license? How to handle the loan procedures

Now the bank's loan business is convenient for many friends, but not everyone wants to do it. If you don't understand, there will be a lot of unnecessary trouble. The new house loan is actually a mortgage loan, and it is also conditional to apply for a new house loan. Then, can a copy of the real estate license be loaned, and how to handle the loan procedures?

Now the bank's loan business is convenient for many friends, but not everyone wants to do it. If you don't understand, there will be a lot of unnecessary trouble. The new house loan is actually a mortgage loan, and it is also conditional to apply for a new house loan. Then, can a copy of the real estate license be loaned, and how to handle the loan procedures?

1. Can I borrow a copy of the real estate license?

A copy of the real estate license cannot be used for loans. 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.

Second, how to handle the loan procedures?

1. Borrower prepares relevant materials: Before the loan, the borrower needs to provide many materials to the bank, including ID card, household registration book, marriage certificate, real estate license and house purchase contract.

2. The bank runs the road: According to the value of the house, the bank's mortgage amount is different. In addition to mortgage real estate license, banks also need borrowers to have good credit and economic strength in order to better avoid risks, so most banks will require borrowers to provide bank running statements of their personal accounts for nearly half a year.

3. Apply for a loan from the bank: the amount of housing loan is generally more than 5,000 yuan, and the value of the property is less than 70%. The expected annualized interest rate of the loan will rise by a certain percentage according to the benchmark expected annualized interest rate of the central bank. The loan term is generally 5 to 30 years, and the repayment methods generally include equal principal and interest, equal capital and so on. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation.

4. Bank review of mortgage: After applying for mortgage, the bank began to review the qualifications of borrowers.

5. After the bank has passed the examination of the borrower's mortgage and agreed to issue the loan, the borrower needs to go to the local delivery room management department at or above the county level and go through the mortgage registration formalities with the bank clerk.

6. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. But because it is a housing loan, generally speaking, the bank loan will directly hit the account of the real estate developer and will not be paid directly to the borrower.

The above is the process introduction of whether the copy of the real estate license can be used for your own loan. It should be clear to everyone that the real estate license loan is something that most families are basically considering now, and it has almost become the first choice for most families, especially when the income can't keep up with the rising rate of house prices, more and more friends choose the real estate license loan.

Can I borrow a copy of the real estate license?

Can I borrow a copy of the real estate license?

A copy of the real estate license cannot be loaned, but must be the original.

The information required for the loan is

1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

What are the conditions for mortgage of real estate license in bank loan?

1. 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;

2. Have permanent residence and fixed residence in this city; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgage;

4. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.

5. Willing and able to provide real estate mortgage approved by the lender;

6. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years;

7. The mortgagee can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to 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.

8. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

Can I borrow a copy of the real estate license?

You can't get a loan. Need the original mortgage.

1. If you want to apply for a residence permit, you need to use a copy of the real estate license;

2. If you want to apply for mortgage of real estate license, the necessary materials include a copy of real estate license;

3. If you want to buy or sell a house, the seller needs to provide the real estate license and a copy of the house, as well as other documents and materials. Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.

legal ground

Article 394 of the Civil Code of People's Republic of China (PRC) defines mortgage as the performance of secured debt. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Article 395 Scope of Collateral of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Can a copy of the real estate license be used as a mortgage loan?

You can't just apply for a loan with a copy, you need to review the original.

First, the housing mortgage loan application conditions:

1, nature of the house; Houses, office buildings, villas, commercial houses, houses and affordable housing (strict requirements for affordable housing) and clear property rights within 20 years.

2. The mortgagor (normal age 18-65 years old) is in good health.

3. The mortgagor can prove the source of repayment and other assets (certificates of deposit, two houses, stocks, funds, etc.). ).

The actual use of funds is clear.

Second, prepare information:

1. Original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required).

2. Proof and copy of the borrower's marital status.

3. Family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate).

4. Statement of personal main bank account in the last 6 to 12 months (with official bank seal).

5, work unit income certificate.

6. Proof materials such as family private lending.

7. Evaluation report.

Extended data:

Mortgage form:

Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:

(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights.

(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights.

(3) if there is a maximum mortgage, it must exceed the maximum payment.

(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.