Whether the mortgage loan of real estate license has something to do with personal credit, but it has a lot to do with your personal credit when lending.
Whether you can use a house with poor personal credit may have an impact, which will affect your credit limit, that is, your loan amount will be correspondingly less, and stricter banks may not give you loans.
Personal property mortgage loan? A mortgaged house is equivalent to a house, that is, it is impossible to get a mortgage loan, but sometimes some companies can provide residual value mortgage, which is equivalent to part of the value of your property after deducting the bank value.
Housing mortgage loan conditions
(1) has legal status;
(2) the loan principal and interest ability, no bad credit record;
(3) There is a legal and effective purchase contract;
(4) For the purchase contract with the newly purchased house as the maximum mortgage, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;
(5) If a house mortgage loan has been purchased, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the house ownership certificate, and the age of the house is within 10 years;
(6) Being able to provide effective guarantee recognized by the loan bank;
(7) Other conditions stipulated by the lending bank.
Whether the mortgage loan contract for defrauding the real estate license is valid or not, and the act of defrauding the provident fund loan by fictitious house purchase contract will be investigated, prosecuted and convicted: 1. Obtaining a loan of more than one million yuan by deception, 2. Deceiving other financial institutions and causing direct economic losses of more than 200,000 yuan, 3. Although it did not meet the above amount standard, it defrauded loans many times. Fourth, if other financial institutions suffer heavy losses or have other serious circumstances, which fall into one of the above-mentioned "four situations", they should file a case for prosecution, otherwise they will not file a case. However, the bank may require to repay the principal and interest in advance, terminate the loan business, and include it in the personal regulations: Article 27 of the Provisions of the Supreme People's Procuratorate, the Ministry of Public Security and the Ministry of Public Security on Criminal Cases under the Jurisdiction of Public Security Organs (hereinafter referred to as the "Regulations (II)"). If direct economic losses to banks or other financial institutions are more than 200,000 yuan, such as defrauding loans, or defrauding loans for many times, and other circumstances that cause heavy losses to financial institutions or have other serious circumstances (hereinafter referred to as "four situations"), the Economic Investigation Bureau will take the lead in filing a case for prosecution for the crime of combined punishment of two crimes and illegal loan issuance. The basic spirit is also consistent with the above provisions. The provisions on the time effect of judicial interpretation in Criminal Judicial Interpretation establish that cases that have been settled before the implementation of "starting from the old and being lighter from the old" will not be changed if there are no mistakes.
It is obviously unreasonable for a guarantee company to pay a deposit of 5% for the mortgage loan of real estate license. It is wrong to apply for a bank mortgage loan through a guarantee company and only charge a one-time service fee at most. Can refuse to pay.
Tianjin loan, personal credit loan and real estate mortgage loan, which is better? Tianjin Merchants Bank has developed credit loans. Please dial 95555 at 8:30- 18:00, select "2 manual services-"1"personal banking-"4 "personal loan business, and enter the city where manual services provide loans to learn more about the required information.
Handling personal credit loans, secondary loans for real estate, and unsecured loans for vehicles are similar, mainly depending on personal qualifications. The better the qualification, the easier it is to approve.
Conditions for applying for a credit loan:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
How to apply for personal real estate license mortgage loan? "Good car loan" tip: I hope I can help you: 1. Information required for mortgage loan: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. 2. Lender's conditions: 1. Loans can only be made with collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; Third > guarantor; Loan payment, mortgage registration fee, real estate appraisal fee, etc. The general approval time is 5 working days, and the lending time is 3 working days after the mortgage certificate is returned. 3. Loan amount: 70% of the maximum loanable value. Four. Loan Term: The longest repayment period is generally 20 years.
Hope to adopt
If the bank has the right to seize the real estate license, it needs to go through the mortgage registration procedures, and the mortgage only needs to go through the mortgage registration procedures. ...
Or according to the loan contract. ...
How to mortgage loans with real estate licenses The collateral for bank loans is generally commercial real estate and newly-built commercial housing, which is beneficial for banks to realize mortgage rights. Second-hand houses are generally not used as collateral because of the difficulty of auction and execution. To use a suitable property as collateral, first sign a loan contract with the bank and provide a price evaluation report of the mortgaged property. After approval, * * * will go to the Housing Authority for real estate mortgage registration.
"Housing Registration Measures" Article 43 To apply for mortgage registration, the following materials shall be submitted:
(1) Application for registration;
(2) the identity certificate of the applicant;
(three) all of the housing or real estate ownership certificate;
(4) mortgage contract;
(5) Principal creditor's rights contract;
(6) Other necessary materials.
Second, how to apply for personal credit loans from banks?
Personal credit loans are RMB loans issued by commercial banks to individuals without providing special guarantees. The loan amount is mainly determined according to the personal credit record and personal credit rating of the loan applicant.
2. The characteristics of personal credit loans
(1) Strict access conditions;
(2) The loan amount is small, with a maximum of 6,543,800 yuan;
(3) The loan period is short.
3. Personal credit loan elements
(1) loan object
Basic conditions: ① China citizens with permanent residence in China, permanent residence in local towns and full capacity for civil conduct; (2) having a legitimate and stable economic income and the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts and bad credit records; ③ Opening a personal settlement account in a loan bank; ④ Other circumstances.
According to the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, the floating range shall be implemented in accordance with the relevant provisions of the People's Bank of China. The interest before the extension is calculated and paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest shall be calculated according to the 1 year loan interest rate listed on that day from the extension date.
Third, how to increase the amount of personal credit loans.
Nowadays, consumption in advance is more and more popular with the public, and personal credit loans are also accepted by more and more people. Then, in the case of tight funds, how to increase the amount of personal credit loans?
1. Good personal credit and timely repayment: When applying for credit loans, banks usually attach great importance to the personal credit of borrowers. If the borrower's personal credit is good and the borrower can repay the loan on time, then the bank will increase the borrower's loan amount.
2. Stable income and high monthly income: Because the loan is based on personal credit, the applicant's credit information, work and monthly income will be the focus of investigation. Such as civil servants, teachers, doctors, employees of top 500 enterprises, etc. Usually these people have stable jobs and high incomes. As long as they have good credit, banks are happy to lend money.
3. Provide proof of assets: if the borrower has real estate, cars, etc. It can also be used as proof of assets for applying for a loan. If there is proof of assets, the bank will also increase the loan amount for the borrower.
The evaluation of the loan amount is mainly based on the above three points, so if you want to increase the personal credit loan amount, you must first meet the above requirements. It's only a matter of time before you follow the requirements.