There are many mortgages on the market now. As long as we have a real estate license, we can take the real estate license as collateral and borrow money from some financial institutions. It's just that many applicants are confused about this, thinking that the real estate license can't be used as a proof of mortgage loan, and that it will be risky. So, can the real estate license be used as a mortgage loan?
There are many mortgages on the market now. As long as we have a real estate license, we can take the real estate license as collateral and borrow money from some financial institutions. It's just that many applicants are confused about this, thinking that the real estate license can't be used as a proof of mortgage loan, and that it will be risky. So, can the real estate license be used as a mortgage loan? What are the risks of mortgage loan with real estate license?
Can the real estate license be used as a mortgage loan?
You can mortgage a loan with a real estate license, but the borrower must meet certain conditions at the same time according to the regulations.
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 there is proof of others' consent and consent to mortgage;
2. The lender must be a natural person with full civil capacity, and the actual age of the loan maturity date is generally not more than 65 years old;
3. The lender is willing and able to provide recognized real estate mortgage;
4. The age of the mortgaged house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years;
5. The co-owner of the mortgaged property recognizes the relevant loan and guarantee behaviors and is willing to bear relevant legal responsibilities.
6. The mortgaged house property right should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgages;
7. The lender has a permanent residence and a fixed residence in this city; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
8. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
What are the risks of mortgage loan with real estate license?
1, loan purpose
Many people wonder, what are the risks of loan use? In fact, with the tightening of credit policy, banks also have certain restrictions on the use of real estate license mortgage loans. Generally limited to personal consumption and business scope. Banks explicitly prohibit high-risk investment behaviors such as stocks, securities and futures spot, as well as illegal behaviors such as gambling. Therefore, the loan funds should be used correctly.
Step 2 repay
Mortgage loan with real estate license is a product with large financing amount and long repayment period. Therefore, before handling it, you need to make a self-examination of your economic situation for a long time to come. Make sure you have the ability to repay the loan. Because in the case of unreasonable loan repayment, the bank has the right to go through legal procedures and auction your mortgaged property, and the proceeds will be used to repay the loan principal and interest first.
3. Loan channels.
The safest thing is to find a bank, after all, the source of funds is safe. If you are looking for a private lending institution, you need to pay attention to whether the institution is legal and compliant. Here I have the responsibility to remind everyone that never pay any fees before getting the loan, so as not to be cheated.
The above article is about whether the real estate license can be used as a mortgage loan, and what are the risks of using the real estate license as a mortgage loan, hoping to help friends in need. Under certain conditions, real estate license can be used as a proof of mortgage loan, but when doing so, we must pay attention to avoiding risks.
Is there any risk in mortgage loan of real estate license?
The risks may be as follows:
1, default risk
The risk of default includes compulsory default and rational default. Compulsory breach of contract refers to the passive behavior of the borrower, and the theory of ability to pay holds that compulsory breach of contract is caused by insufficient ability to pay. This shows that the borrower has the willingness to repay, but has no ability to repay.
2. Liquidity risk
Liquidity risk refers to the risk that short-term deposits and long-term loans are difficult to realize, and liquidity is an important principle for banks to ensure asset quality. 3. Business cycle risk
Business cycle risk refers to the risk caused by the periodic fluctuation of the overall level of the national economy. Compared with other industries, the real estate industry is more sensitive to the business cycle.
4. Interest rate risk
Interest rate risk refers to the risk brought by the change of interest rate level to the value of bank assets, which is determined by the capital structure of short-term deposits and long-term loans. Fluctuations in interest rates, whether rising or falling, will bring losses to banks.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
Loan security is the primary problem faced by commercial banks;
Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time;
Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Is mortgage loan reliable?
It is safe to mortgage the real estate license in the bank, and the borrower must meet the loan conditions of the bank, otherwise the bank will not handle the loan.
Is it risky to borrow money in the name of the woman and use the real estate license as collateral?
According to relevant information, it is risky. The risks of using real estate license as loan collateral in the name of the woman are as follows:
1. If the mortgage loan is not paid, the real estate license will be taken back by the bank, and finally neither man nor woman has a house.
2, the woman's mortgage, the loan is not repaid, the bank will only pursue the woman's arrears and legal responsibilities, and has nothing to do with others.
3. So all the risks are that the loan is not repaid, and the woman is at risk.
Is it risky to lend others a loan with a real estate license?
Yes Because if the person who lent you the real estate license is the lender of the bank, the bank has the right to auction the mortgaged property through judicial procedures to recover the loan.
Therefore, if you lend your property to others for mortgage, you actually bear all the risks of others' loans.
Finally, I suggest that you don't lend such an important real estate license to avoid losing your property.
Extended data:
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
Lenders need to guard against the tricks of lenders and swindlers, which can be summarized as follows:
1. The loan requirements are extremely low, no mortgage is required, and there are no other requirements. It can be said that you can get a loan if you want.
2. The lender is afraid to disclose the name of his company, can't provide the company's business license or the company has no investment scope, can't provide formal contract texts and invoices, and won't even give you a fixed telephone number. You only know the other person's cell phone, but you can't even see the other person's face.
Before the loan reaches your account, you should charge your so-called toll, interest, handling fee, lawyer's fee and so on. Anyway, you just want money, and after you get it, you won't be treated again.