In life, there will always be times when you need a lot of money, such as buying a car at home or starting your own business. These expenses are not small expenses for ordinary families. What if I can't scrape together so much money at the moment? Many people think that they can go to the bank for a loan, and the common loan is real estate mortgage. Then, if you don't have a real estate license, can you use the house purchase contract to get a loan?

1. Can I borrow money from the house purchase contract?

Mortgage loan can only be handled with real estate license, and faster mortgage loan can be handled with contract. To handle mortgage loans, you need real estate license, ID card, household registration book, marriage certificate/unmarried certificate, loan use information and other originals.

1. First-hand houses can apply for mortgage loans. Bring the mortgage contract, down payment certificate, the lender's ID card, household registration book, marriage certificate/single certificate, etc. Developers usually provide phased guarantees until individuals obtain real estate licenses and complete mortgages.

2. If you are taking out a loan, the bank will not give you another loan only according to the house purchase contract. You need to settle the loan from the last bank, take out the real estate license, and then apply for a loan from another bank (or the original bank). Note that mortgage loans require proof of the use of funds. You can buy a house, decorate it, buy a car, etc.

Second, what are the conditions for handling housing mortgage loans?

① Application materials

1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan).

2. Identity cards of the obligee and his spouse.

3. The household registration book of the obligee and spouse.

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau).

5. Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans).

6. If the property owner has minor children, please provide birth certificate.

7. If the property still has a bank loan, please provide the original loan contract and the last bank statement.

8. In order to improve the pass rate of mortgage loans, please provide as many other family property certificates as possible (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).

② Application conditions

1, a citizen of China (excluding Hong Kong, Macao and Taiwan), aged 18-65, a wage earner and a business person who has worked in the current unit for more than six months continuously (if it is less than six months, but the work content of this unit is the same as that of the previous unit, the working years of the previous unit can be accumulated).

2. There are no minors under the age of 18 and no adults over 70 years old (including 70 years old) among the owners of the mortgaged property.

3. If the house property is mortgaged for the second time, the first mortgagee of the house must be the bank.

4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city).

(3) Personal property

1, original property certificate, house purchase contract and invoice.

2. Original ID card and household registration book.

3. Original spouse ID card/original property co-owner ID card.

4. Marriage certificate (marriage or unmarried certificate, divorce certificate or court judgment, widowed death certificate and property notarial certificate).

(4) company real estate

1. Original house property certificate, state-owned land use right certificate, house purchase contract and invoice.

2. Original legal person identity certificate, legal person power of attorney and agent ID card.

3. Copy of business license (with official seal) and copy of organization code certificate (with official seal).

4. Articles of Association and resolutions of shareholders' meeting/board of directors.

⑤ Construction in progress

1, land use certificate.

2. Construction land planning permit.

3, the construction project planning permit.

4. Construction permit.

5. Business license.

6. Pre-sale permit for commercial housing.

To sum up, without real estate license, can I borrow money with the purchase contract? The answer is obviously no. According to the conditions and materials needed to handle housing mortgage loans, we can know that it is difficult to handle loans only by virtue of the purchase contract. If individuals need to apply for loans, they need to know in advance the conditions and requirements for banks to apply for loans.

(The above answers were published on 20 15- 12-22. Please refer to the actual housing purchase restriction policy. )

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