You can't.
Need the original loan. Because you need to go to the Housing Authority for mortgage registration, you need the original real estate license when you register. After registration, you still need to give the original to the bank for safekeeping, and the copy is not enough.
Before the loan is successful, you can submit a copy of the bank as the material, but the original is needed for real registration.
2. Can I only use a copy of the real estate license for mortgage loans?
A copy of the real estate license cannot be loaned. Materials that must be provided for real estate license loan: 1, application form for establishment registration; 2. Original property certificate; 3. Real estate mortgage contract; 4, the main creditor's rights contract (generally refers to the loan contract); 5, "state-owned land use certificate" copy (original inspection); 6. Identification certificates of both parties to the mortgage. The registered permanent residence refers to the area where the registered permanent residence of China citizens is located. Hukou is a unique concept in China, with a management style with China characteristics. The location of the household registration refers to the place where the household registration book is registered in China, generally referring to the place where the parents registered their household registration when they were born. "domicile" is usually the place where you were born, unless you want to change your domicile from your father or mother for special reasons, that is, your domicile. No matter where you live in the future, as long as you don't move your account, your account will never change. "Territory" means the place where you live now. Chinese mainland's household registration system divides citizens into agricultural registered permanent residence and non-agricultural registered permanent residence. Their education, employment, social security and residence are all linked to household registration, and the provisions of the two types of household registration are treated differently. The public security department is drafting the Household Registration Law for submission to the National People's Congress, which is expected to relax the current strict household registration management regulations. At present, some areas (such as Qingdao) have abolished the agricultural registered permanent residence and non-agricultural registered permanent residence systems and unified them into resident accounts. What is the actual place of residence, that is, the place where citizens have lived continuously for more than 1 year after leaving their place of residence, is the habitual residence. Except for hospitalization. ? Citizens who have no habitual residence from the place where they have moved out to the place where they moved in. Still living in the original place of residence. To sum up, the domicile refers to the domicile in China's household registration book, generally referring to the domicile when parents were born. We should fully understand the concept of residence, which is different from the concept of territory. Legal basis: Article 5 of the Civil Procedure Law of People's Republic of China (PRC): A citizen's habitual residence refers to a place where he has lived continuously for more than 1 year. Except for cases where citizens are hospitalized. If a citizen has no habitual residence after moving out of his place of residence, he shall still take his original residence as his residence. Article 4 of the Civil Procedure Law of People's Republic of China (PRC): The domicile of a citizen refers to the domicile of a citizen, and the domicile of a legal person refers to the main business place or the location of the main office of a legal person. Article 9 of the General Principles of Civil Law of People's Republic of China (PRC): A place where a citizen has lived continuously for more than one year after leaving his domicile is his habitual residence. Except for hospitalization. If a citizen has no habitual residence after moving out of his place of residence, he shall still take his original residence as his residence. The place where the household registration is required refers to the place where the household registration book is registered in China, generally referring to the place where the household registration book was registered when the parents were born, usually the place where the household registration book is located. The domicile refers to the domicile of the household registration book in China, generally referring to the domicile of the parents when they were born, usually the domicile of the household registration book. A copy of the real estate license is not allowed to apply for a loan. Mortgage loan of real estate license refers to a kind of credit method in which the buyer applies for a loan from the bank with real estate as collateral to obtain funds, and then repays the principal and interest to the bank in installments or at one time. A copy of the real estate license cannot be loaned. Materials that must be provided for real estate license loan: 1, application form for establishment registration 2, original real estate license; 3. Real estate mortgage contract; 4. Principal creditor's rights contract (generally referred to as loan contract) 5. Copy of state-owned land use certificate (original inspection); 6. Identification certificates of both parties to the mortgage. Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 397 of the Civil Code of People's Republic of China (PRC) is mortgaged by a building, and the right to use the construction land occupied by the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together. If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage.
3. Can I borrow a copy of the real estate license?
No loans. Loan process of real estate license: 1. Lender condition 1, a natural person with full capacity for civil conduct, and the actual age of the loan due date is generally not more than 65 years old; 2. Have permanent residence and 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; 3. Willing and able to provide real estate mortgage approved by the lender; 4. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities. 2. The conditions for mortgaging the property are 1. Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; 2. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years; 3. 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; 4. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it. Third, the mortgage loan process of real estate license 1 Preparation materials, including husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account in the last six months. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. 4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
4. Can I get a loan with a copy of the real estate license?
There are two (or more) names on your real estate license, right? What you are getting now should be a certificate of * * *? In this case, it is not enough to have loan information alone, because the housing market belongs to two (or more) people with real estate, and it is impossible to mortgage it only by the proof of * * * *!