Generally speaking, every suite has a real estate license, but in some special cases, the house does not have a real estate license. So many people will ask, can I get a loan without a real estate license? Let's take a closer look!

Can I get a loan without a real estate license?

Today, with the rapid development of credit business, loans can be made even without real estate license. 1. If the borrower only has no real estate license temporarily and is in the mortgage period, the borrower can provide the pre-sale contract and mortgage repayment materials to the bank to apply for a loan; 2. Without real estate license, the borrower can provide cars, bills of exchange, bonds, etc. Apply for a bank loan as collateral.

Which houses can't get loans?

1, small property right house

There are only sales contracts for small property houses, but there is no title certificate, and the real estate registration department does not recognize them, so bank loans for such houses will also be rejected.

2, the purchase time is less than 5 years of affordable housing.

Affordable housing is required to be purchased for five years before it can be listed and traded, before it can handle the transfer of property rights and apply for loans from banks.

3. The property has been mortgaged out of the house.

If it is a house with property rights mortgaged, it will involve property buyers and mortgage banks. It is easy to produce and the loan bank is also risky, so this kind of house cannot apply for a loan.

4. Houses rebuilt in the old city

Because the housing files of the old city reconstruction are blocked by the housing management department, it is impossible to apply for mortgage registration, and the bank will not lend to the lender.

5. Houses with outstanding loans

If it is a mortgaged house, its property right has been mortgaged in the bank, and the loan only enjoys the right to use and cannot be used to apply for a loan again. Only by paying off the mortgage in advance and canceling the mortgage can it be used to apply for a loan.

Bian Xiao concluded: The above is about whether you can get a loan without a real estate license. I believe everyone understands! The real estate license is an important document of the house. When buying a house, you must see if you have a real estate license.

How to get a loan without a real estate license

Generally speaking, you can't borrow from a bank without a real estate license, but you need to treat it differently according to the situation.

If the applicant only has no real estate license for the time being, for example, the real estate license is mortgaged to the bank when handling the housing mortgage loan, in this case, you can apply for a loan from the bank by providing mortgage loan contract, house purchase contract, down payment invoice and other related materials; However, if the applicant is buying resettlement houses, relocated houses or self-built houses, it is more difficult to apply for mortgage loans from banks. Therefore, before applying for a loan, you must first find out your own property attributes before you can know whether you can get a loan from the bank.

The process of handling bank loans:

1, accepted

The handling personnel introduce the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default treatment and various expenses that the borrower needs to bear to the customer, and conduct a preliminary examination of the loan conditions, qualifications and application materials of the borrower.

Step 2 investigate

According to the relevant regulations, investigators take reasonable measures to investigate the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness.

Step 3 agree

Authorize the approver to finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, mortgage, pledge and guarantee.

Step 4 distribute

After the loan conditions are implemented. According to the demand for funds, customers can apply to the bank for withdrawal quota at any time.

5. Post-loan management

The loan bank shall, in accordance with the relevant provisions of loan management, supervise and inspect the income status, loan purposes, changes in the value of collateral and performance status of borrowers and guarantors, and the inspection results shall be recorded and filed in written form. Supervise the guarantee or credit of the guarantor or borrower, and ask the borrower and guarantor to provide help.

6. Loan recovery

According to the repayment plan and repayment date agreed by the borrower and the borrower in the contract, the loan bank deducts it from the agreed repayment account. The borrower can also repay the loan at the business outlets of the loan bank.

Can I get a loan without a real estate license?

Without real estate license, you can only apply for credit loans or secured loans. Because the premise of mortgage loan is that the owner has legal property rights and the property is not restricted by transfer. If there is no real estate license, the bank's creditor's rights will not be guaranteed, which increases the bank's lending risk. So banks rarely accept loans without property rights mortgage. Article 693 of the Civil Law During the suretyship period, if the general creditor of suretyship fails to file a lawsuit or apply for arbitration with the debtor, the surety shall no longer bear the suretyship liability. If the creditor of joint and several liability guarantee fails to ask the guarantor to bear the guarantee responsibility during the guarantee period, the guarantor will no longer bear the guarantee responsibility.

Can I get a loan without a real estate license?

You can't apply for a loan without a real estate license. The real estate license is the certificate that the purchaser obtains the legal ownership of the house through the transaction and exercises the right of possession, use, income and disposal of the purchased house according to law. That is, the "House Ownership Certificate" is the legal certificate for the state to protect the ownership of houses according to law. To handle the mortgage, the borrower must have a real estate license and meet the following application conditions and preparation materials: 1. Application conditions: the nature of the house; Residential buildings, office buildings, villas, commercial houses, houses and affordable housing (strictly affordable housing) have clear property rights within 20 years, the borrower (normal age 18-65 years old) is in good health, and the borrower's credit investigation in recent 24 months shall not be involved. 6. The borrower can prove the source of repayment and other assets (large certificates of deposit, two houses, stocks, funds, etc.). The actual use of funds is clear. 2. Preparation materials: original and photocopy of the ID card of the borrower and spouse, household registration book (if single, single certificate is required), proof and photocopy of the borrower's marital status, proof and photocopy of family property and car ownership, other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate), and personal main bank account statement (with bank seal) for the past 6 to 12 months. Three. Process: consultation-accepting application-pre-loan investigation-loan approval-loan issuance-loan recovery-loan management.