Hello, I am glad to answer your question: 1. The mortgage loan of real estate license is just another right certificate mortgaged to the bank. The house book can be taken back as long as it is stamped with the mortgage loan. If you are still not at ease, the safest way is to bring your ID card, real estate license, house sales contract and other supporting materials to the real estate department to check the files (that is, the real estate transaction hall). If the result is consistent with the content on the property certificate, there is no problem. # The bank only has other rights in the postscript of your real estate license. It doesn't really matter who has the real estate license. Some banks need you to give it to them, and some banks don't need to have little influence on you. You really need to reissue a new one. # If the bank has a mortgage, the real estate license is in my hand. Banks don't want real estate licenses, but there is a mortgage stamp on the real estate licenses. In which bank and when can I borrow them? If the loan is paid off, there will be a cancellation stamp on the real estate license, and the real estate license is still in my hand. This is the case with loans for buying and selling houses. As for the authenticity of the certificate, you have to verify it yourself. Other loans are different. # If the property is mortgaged, you still have the property certificate, which will show your loan information. # Mortgage refers to putting a mortgage stamp on the house certificate, rather than putting the house certificate in the bank. If it hasn't been paid off, it depends on whether you can refinance the mortgage, that is, change your name to bank and continue to repay the loan. # Not needed; After the general loan is reviewed, the bank will return the real estate license. The conditions for using a house as a mortgage loan are: (1) legal status; (2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record; (3) There is a legal and effective purchase contract; (4) If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid; (5) Housing mortgage loan has been purchased and handled, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years; (6) Being able to provide effective guarantee recognized by the loan bank; (7) Other conditions stipulated by the lending bank.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!