Does a bank loan need a mortgage to buy a house? Need a mortgage; Mortgage loan means that the purchaser fills in an application for mortgage loan to the bank, and provides legal documents such as ID card, income certificate, house sales contract, letter of guarantee and other supporting documents. After passing the examination, the bank promises to issue loans to the buyers, according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers; Real estate mortgage registration notarization, the bank will directly transfer the loan funds into the account of the selling unit within the time limit stipulated in the contract. The main problem of mortgage loan is that banks will worry that people who buy houses will take real estate licenses to handle other loans, which will cause certain losses to the interests of banks. At present, there are many small loan companies in the market that can do secondary mortgage of real estate. Generally speaking, it is the buyer who uses the remaining loan amount of the mortgaged house as collateral again. For example, if you have a suite with a value of 6.5438+0 million, then you can borrow 700,000 yuan. After you have paid it back for several years, the mortgage is only 500 thousand. At this time, the loan company can provide the owner with 200,000 two mortgage. In addition to loan companies, many usury companies can also do it now. All you need to do is put the real estate license with them and you can lend you money. In case you can't repay the loan, your property may be sold at a low price, which will affect the interests of the bank. Therefore, in order to prevent owners from taking their own real estate licenses to make secondary mortgages or private loans, banks generally require real estate licenses to be directly mortgaged in banks, and they will not be returned to you until you pay off the loans. What should I do if I need a real estate license? Now some places need to use the real estate license, such as children entering school, but generally do not need to use the original real estate license. A copy of the production certificate is enough. If you have a certificate, you must copy what you want. But if you need to use the real estate license, you can apply to the bank and take it out. However, banks have regulations. Generally speaking, it will not take more than two days to take out the real estate license and return it to the bank on the same day. Must the real estate license be placed in the bank? Different banks have different rules. Some banks want to do real estate licenses, but some bank real estate licenses are returned to borrowers. However, both the bank and the borrower have completed the mortgage registration procedures in the registration department when applying for loans from the bank. Therefore, no matter who owns the real estate license, it is in custody. The bank and the registration department will not release the mortgage until the loan is paid off. The house in trust cannot be bought or sold or transferred. To sum up, buying a house by bank loan is a form that ordinary people will take now, but it is very strict with bank loans. Not only have a particularly good reputation, but also have the ability to repay and mortgage things. Therefore, you can consult more before the loan, so that you can know more clearly what to do later.