Enter the area and get the decoration quotation for free. Nowadays, many people choose loans to buy a house, which can reduce the pressure brought by buying a house and is also a very popular one. So can I get a loan without a real estate license? Let's take a look with Bian Xiao.

1. Can I get a loan without a real estate license?

You can't apply for a loan without a real estate license. Because when you apply for a loan, you have to use the real estate license as collateral. If there is no real estate license, then the person who buys a house only has the right to live and has no right to use, so you can't apply for a loan. If you want to apply for a loan, you can choose other ways, such as using a car as a loan or applying for it yourself, but the amount of these loans is relatively small.

Second, which houses can't apply for loans?

1. Small property right house

If the small property right house only has a contract without proof of property right, then the house is not recognized by the real estate registration department. This kind of housing conforms to the policy of land development, and if the bank allocates loans, it will face the risk that the funds will be difficult to collect, so the bank refuses to lend.

2. Affordable housing that has not been purchased for 5 years.

If you buy affordable housing, the state stipulates that affordable housing that has been purchased for more than five years is eligible for listing and trading, and property rights are transferred. Houses less than five years old cannot be sold, so it is impossible to apply for a loan.

3. A house with property rights mortgage.

If the property right of the house has been mortgaged, then the mortgage process involves many parties, such as the buyer, the seller and the mortgage bank. Therefore, banks will not lend money because there will be great risks for banks.

4. Some purchased public houses have been purchased.

Many people turn property rights into personal property rights when buying public houses, but some houses that have no purchase contract or can't provide relevant certificates for listing can't get loans. Because the property rights of these houses are not very clear, if the lending bank will consider all the risks, it can't lend.

5. Rebuilding houses in the old city.

The new house bank, which has rebuilt some old houses, does not lend, because the files of these old houses have been sealed by the housing management department, and the loan requires a lot of information, so the houses rebuilt in the old city cannot be loaned.

Calculate how much it will cost to decorate your home.

2. Can I apply for a loan if I buy a house in the bank without running water?

Generally, it is necessary to provide bank running water and deposit certificates, which can improve the pass rate of loans.

Personal housing mortgage loan conditions:

1, with city identity;

2. Have a stable occupation and income, good credit, and complete it on schedule.

3. Self-raised down payment of more than 20% of the total house price;

4. Units or individuals with mortgage, pledge or sufficient compensatory capacity shall serve as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the real estate appraisal entrusted by the bank or the bank.

6. Other conditions stipulated by the bank.

Information to be provided when applying for mortgage:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified 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.

3. Is there no house to apply for a loan?

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