I want to use the real estate license to mortgage the loan, but I don't know which bank I can get it from. Do I need to find a guarantor? I can't get a loan without a guarantor? In view of this problem, many people should want to know how to implement the real estate license mortgage loan and its related matters needing attention.

Loan notes:

The mortgage scope of real estate license can be a house without a loan or a house with a loan. If there is no loan for the house, the loan amount is 60-70% of the current house evaluation price (the bank entrusts the company to evaluate). If the house has a loan, 60-70% of the current appraisal price exceeds the remaining loan amount before, and you can also lend the excess. This is called mortgage.

Bring relevant materials: 1. Original production certificate; 2. The original identity certificate of the property owner; 3. Original residence booklet; 4. Marriage certificate; 5. Ask for income or tax payment certificates from banks or lending institutions. Sign the loan contract first, then wait for approval (seven working days). If approved, the bank can lend money after ten working days.

Precautions:

Licensed mortgage banks have strict management on the use of your loans, and cannot do high-risk investment projects such as stocks and futures.

(The above answers were published on 20 13-02- 18. Please refer to the current actual purchase policy. )

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