Different people have different views on whether a house is an asset or a liability. However, if you have a house, when you need a sum of money and want to borrow from the bank, your house can help you, and you can apply for a mortgage loan with the real estate license. So what is a real estate license mortgage loan? What are the requirements and information needed? How to deal with it specifically? This article will give you a detailed introduction. 1. What is a mortgage loan with real estate license and what conditions should the lender meet? (1) What is a mortgage loan with real estate license? 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. (2) Requirements for the lender: First, the actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally no more than 65 years old; Secondly, there is a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; Third, willing and able to provide real estate mortgage recognized by the lender; Fourth, some people in real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities. Second, what conditions do you need to meet for a mortgaged house? (1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage; (two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years; (three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department; What needs to be reminded here is that the owner of the mortgaged property can be the borrower himself or someone else. Where other people's property is used as collateral, the mortgagor must issue a written commitment to allow 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. Third, how to handle the mortgage loan of real estate license? (1) The materials that the borrower needs to provide are: 1, the borrower's ID card, household registration book, marriage certificate, the borrower's spouse's ID card and household registration book; 2. Personal income certificate of the borrower (official seal); 3. The original and photocopy of the house ownership certificate and the original purchase agreement; 4. The notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use. (2) loan processing flow: 1. Handling existing home mortgage loan: First, the borrower needs to find an appraisal agency to evaluate the value of the property and obtain the real estate appraisal report issued by the appraisal agency. Secondly, both husband and wife were present to submit the above information and sign a real estate mortgage contract. Third, the borrower signs a loan contract with the bank. Fourth, the bank issues loans after approval. Finally, the borrower repays in installments or in one lump sum, cancels the mortgage of the house property and gets back the real estate license. 2. Mortgage for faster housing: The borrower signs a house purchase loan contract in the bank with the pre-sale contract, the original and photocopy of the house advance payment receipt, and the original and photocopy of the husband and wife marriage certificate. After the bank approves the loan, the real estate license is handed over to the bank. After the repayment, the borrower went to the bank to cancel the loan and get back the real estate license. (3) Finance, service life and expected annualized interest rate of the loan: the starting point of the mortgage loan for real estate consumption is 5,000 yuan, and the maximum value does not exceed 70% of the real estate assessment value of the mortgage. Generally, the loan term does not exceed 5 years, and the longest loan term can reach 10 year. The expected annualized interest rate of the loan is implemented according to the expected annualized interest rate of commercial loans in the same period stipulated by the People's Bank of China, which is conducive to the monthly repayment of principal and interest. If you have financial difficulties and own your own house, you can choose to use the real estate license as collateral to borrow from the bank. Here, I also want to remind you that although handling loans can solve short-term problems, you should fully consider your future income and debt repayment ability to avoid problems such as the mortgage house can not be recovered.

Second, the real estate license has come down. The real estate license is in the bank that handles the loan. What procedures did the bank ask me to go through? What if I don't go often?

The bank allows you to go through the formalities of mortgage with real estate license, with the purpose of executing the signed contract and binding you to repay the loan on time.

If you don't go, you will breach the contract. The bank has the right to repossess your house unilaterally.