What are the conditions for real estate license mortgage loan?
1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;
2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;
3. Have good information records and willingness to repay;
4. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
5. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages.
6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; 7. The borrower has a legal and effective purchase contract or agreement;
8. There is an effective guarantee recognized by the lender.
Matters needing attention in real estate mortgage loan:
1. How's your credit record?
The biggest difference between mortgage loan and other loans is that when the borrower fails to repay the loan for a long time and has to do it, the bank will auction the mortgaged house to make up for the economic losses. Therefore, when banks approve mortgage loans, they will pay special attention to the credit records of borrowers and generally choose borrowers with good reputation to cooperate. If you have overdue users for more than three times in a row in two years, or accumulated overdue users for more than six times, then it is estimated that it is difficult for you to apply.
2. Is there enough repayment ability?
When approving loans, banks will not only consider whether the borrower's credit record is good, but also examine whether the borrower has sufficient repayment ability. Therefore, if you don't have a stable job, or can't provide proof of income and work, or can't provide bank running water, you will generally be recognized as a person with worrying repayment ability by the bank and think that you are not qualified to apply for a mortgage loan.