Of course.

In these six cases, the loan will not be approved.

Credit cooperatives, agricultural banks and postal services all provide small mortgage loans for farmers. If you want a mortgage loan, you can consult the bank first to see if the bank has a suitable mortgage loan method. However, the loan application will be rejected under the following circumstances:

1. Collective land title certificate

This kind of house belongs to collective land. According to the relevant rules, the housing management part is not registered as a pawn, so it cannot be mortgaged from the bank.

2. Real estate license and very old house.

This kind of house was built earlier, and some even belong to the dangerous house series. Some banks in this kind of house have no lending rules, so they can't mortgage loans to banks.

3. Real estate license in the transformation of the old city

The local housing management of such houses has been closed, so it is impossible to apply for pawn registration and mortgage loans to banks.

4. No real estate license.

The housing qualification meets the mortgage rules of the bank, but there is no operating economic entity as the lender requesting mortgage, nor can it be mortgaged from the bank.

5. The applicant has bad credit.

Due to various factors, credit information has been blacklisted, and even if there is a real estate pawn, it cannot be mortgaged.

6. Other circumstances stipulated by laws and regulations.

Second, can you use the real estate license alone to make other mortgages in the real estate company?

Hello!

The title certificate of real estate includes house ownership and land use right, and other mortgages can be handled.

Only on behalf of personal views, don't spray if you don't like it, thank you.

3. Can the title certificate of real estate in the Civil Code be mortgaged?

The title certificate of immovable property can be mortgaged, but certain conditions need to be met, for example, the immovable property belongs to the mortgagor, and the property right and use right of the immovable property are not disputed. "

4. Can the certificate of immovable property be mortgaged to the company?

Generally speaking, property cannot be mortgaged to the company. You can apply for a mortgage loan by mortgage, usually to a bank. If you meet the requirements, you can apply for a loan of about 70% of the housing appraisal. The materials to be prepared include personal identification, income certificate and real estate license. If the property belongs to two people, the marriage certificate of both husband and wife is also required. For borrowers with good reputation and ability to repay on time, the bank will lend money after examining and approving the corresponding mortgage materials.

The real estate used for mortgage must first have clear property rights and property certificates issued by the state. In addition, the bank will conduct a professional evaluation of the mortgaged property, and evaluate the loan amount according to factors such as the amount, location and liquidity of the property. The factors affecting the amount of housing loans are mainly related to the age of the house and the age of the lender. For some borrowers who want a higher loan amount, they can get a higher loan amount through the guarantee company.