In the process of applying for loans, banks will consider it from the perspective of their own interests. Usually, lenders will be required to provide a series of certification services and corresponding materials to ensure that their interests will not be harmed. The role of this part of information is generally real estate license, but can a house be loaned without real estate license? The answer is yes, because we can use the equally convincing information documents such as the purchase contract as supplementary instructions to apply for loan services. Next, we will introduce relevant information to you, including not only the answer and professional explanation of this question, but also the further explanation of mortgage loan with real estate license for your reference.

1. Can I get a loan without a real estate license?

It is understood that houses without real estate licenses can never be loaned. When using real estate as loan collateral, the essential information is the real estate license. No real estate license means that the owner of the house only has the right to live in the house, but not the right to use it. Therefore, it is impossible to get a loan without a real estate license.

However, if the borrower has a stable and legal income source and good credit, he can directly apply for unsecured loans when he needs funds. This avoids the dilemma that you can't get a loan without a real estate license. The amount of unsecured loans is mainly related to the borrower's income and credit conditions. For details, please consult the loan consultant directly on the home page.

Loans are gradually emerging with the change of people's consumption concept. What is real estate mortgage? How to handle the mortgage loan of real estate license is a concern of many buyers after buying a house, because buying a house takes up a lot of money. What if you need money badly and don't want to sell the house? This article will introduce you to the legal issues related to the mortgage loan of real estate license.

2. What is a mortgage loan with real estate license, and what conditions does the lender need to meet?

(1) What is the mortgage of real estate license:

Mortgage loan of real estate license refers to a kind of credit method in which buyers apply for loans from banks with real estate as collateral to obtain funds, and then repay the principal and interest to the banks in installments or at one time. Mortgage loan of real estate license is a way for house owners to borrow money from banks as consumption mortgage or to solve the problem of funds. Homeowners can get a certain amount of money to solve their urgent needs without selling their houses.

(2)? Lender's conditions:

First of all, 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;

Secondly, there is a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

Third, willing and able to provide real estate mortgage recognized by the lender;

Fourth, the co-owners of real estate recognize their relevant borrowing and guarantee behaviors and are willing to bear relevant legal responsibilities.

Third, what conditions should a house used for mortgage meet?

(a) the property rights of the house shall be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

What needs to be reminded here is that the owner of the mortgaged property can be the borrower himself or someone else. If other people's property is used as collateral, the mortgagor must issue a written commitment to allow the borrower to apply for a loan with his property as collateral, and ask the mortgagor and his spouse or other property co-owners to sign it.

The example we gave you above is that there is no real estate license to explain real estate loans in detail and introduce the knowledge of professional sectors. From this, we can find that although the mortgage of real estate license is generally the explanation method people usually adopt, considering the needs of some special circumstances, some banks also support the use of other materials and materials to apply for loan services, such as the purchase contract is also convincing information. Friends who are interested in the loan service or want to apply for the project, but if they can't provide legal and reasonable real estate license for the time being, they may try to use the house purchase contract to make a loan. In addition, there are explanations and precautions in the second half of the above for reference and analysis, and interested friends can learn comprehensively.