You can't apply for mortgage registration without real estate license. So you can't directly ask the bank for a mortgage loan. However, the guarantee company accepts unlicensed real estate mortgage. This kind of mortgage is actually pledge. On the basis of signing a contract with the guarantee company, the original purchase contract and payment invoice are pledged to the guarantee company. Then, the guarantee company guarantees the loan to the bank for you. Accordingly, the guarantee company will charge a guarantee fee of 1.5% to 3%. Finding a guarantee company to guarantee a loan is the lowest cost.
What materials are needed for real estate mortgage loan? From the day the loan was made, all the money for the house has been paid to the developer. Mortgage is only a loan relationship between buyers and banks, and it is the obligation of developers to apply for real estate licenses. So when you buy a house loan, before the loan is paid off, you still have the real estate license, but the real estate license has a chapter on it, indicating that your house has been mortgaged. When you pay off the loan, it is called the lifting of the mortgage, and the bank will put another stamp on the loan that has been lifted.
Materials to be provided for real estate mortgage loan: ID card, household registration book, household registration book, marriage certificate, bank account number, and salary certificates of both husband and wife. Of course, the basic conditions of bank loans must be met, such as the age of the house is mainly between 18 and 65 years old, the age of the house is not more than 20 years, and the geographical location is not more than 30 years. The house must be a commercial house with big property rights, and there is no real estate dispute.
Real estate mortgage refers to applying for loans from lending institutions for yourself or others (including family members, relatives and friends) with real estate as collateral. ) own the real estate, pay interest and repay the principal as agreed after the loan is successful. The materials provided for housing mortgage loans must be true and well documented. The above article is about what materials are needed for mortgage loans when the house certificate has not come down, hoping to help those in need.