What is the mortgage loan amount of real estate license?
Before determining the amount of mortgage loan, it is necessary to evaluate the house price. There are many factors that affect the evaluation value, such as location, age and area. The maximum amount of mortgage loan is 70% of the appraised price. (The specific amount varies from bank to bank. )
What are the mortgage conditions of real estate license?
Mortgage loan of real estate license refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link. Conditions for real estate license to apply for a loan:
1. The owner of the collateral can be the borrower himself or someone else. In other words, even if the real estate license is not your own, you can apply for a mortgage loan with someone else's house as long as you get the consent of others and have proof of consent to mortgage;
2. 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;
3. Have permanent residence and fixed residence;
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. Someone in the real estate * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities;
6. The age of the house (calculated from the date of completion of the house)+the loan period does not exceed 40 years;
7. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgage;
8. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
If you apply for a mortgage loan with real estate license, you can estimate it according to the city where your house is located and the local house price, so that you can judge the amount of your loan. The above is an introduction to the mortgage loan amount and conditions of real estate license. Everyone should pay attention to the specific details of applying for a mortgage loan.