Real estate license loans can be borrowed for 20-30 years. Article 30 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go to the real estate management department where the real estate is located to register the real estate mortgage.
Real estate license loan conditions
1. The mortgagor can be the borrower himself or others. 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 that others agree and agree to mortgage;
2. A natural person with full capacity for civil conduct whose actual age at the maturity date of the loan is no more than 65 years old;
3. Willing and able to provide real estate mortgage approved by the lender;
4. The age of the house+the loan period shall not exceed 40 years;
5. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.
5, housing property rights should be clear, in line with the provisions of the listing conditions, can enter the market circulation, without any mortgage;
6. Have permanent residence and fixed residence in this city; Have a stable source of income and the ability to repay the loan principal and interest on schedule;
7. 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.
How much is the loan interest with real estate license?
The mortgage interest rate of real estate license is low, and the benchmark interest rate rises 10%-40%. Banks are different. ICBC, CCB, ABC, BOC, etc. You can apply. There is also the evaluation of expenses, understanding the interest rate and other expenses, balancing them, and then deciding which bank to go to.