Can an unreal real estate license be loaned?
Unreal real estate licenses can't be loaned, and they will be found out. Don't use fake ones. The real ones are more reliable, and your heart is more practical.
This is the performance of the crime of loan fraud. Article 193 of the Criminal Law stipulates that for the purpose of illegal possession, it is a crime of loan fraud to fabricate false reasons such as introducing funds and projects, use false economic contracts, use false property rights certificates as guarantees, use false certification documents, repeatedly guarantee beyond the value of collateral, or defraud banks or other financial institutions of loans in other ways, and the amount is relatively large.
What is the mortgage process of real estate license?
1. Borrower prepares relevant materials: Before the loan, the borrower needs to provide many materials to the bank, including ID card, household registration book, marriage certificate, real estate license and house purchase contract.
2. The bank runs the road: According to the value of the house, the bank's mortgage amount is different. In addition to mortgage real estate license, banks also need borrowers to have good credit and economic strength in order to better avoid risks, so most banks will require borrowers to provide bank running statements of their personal accounts for nearly half a year.
3. Apply for a loan from the bank: the amount of housing loan is generally more than 5,000 yuan, and the value of the property is less than 70%. The expected annualized interest rate of the loan will rise by a certain percentage according to the benchmark expected annualized interest rate of the central bank. The loan term is generally 5 to 30 years, and the repayment methods generally include equal principal and interest, equal capital and so on. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation.
4. Bank review of mortgage: After applying for mortgage, the bank began to review the qualifications of borrowers.
5. After the bank has passed the examination of the borrower's mortgage and agreed to issue the loan, the borrower needs to go to the local delivery room management department at or above the county level and go through the mortgage registration formalities with the bank clerk.
6. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. But because it is a housing loan, generally speaking, the bank loan will directly hit the account of the real estate developer and will not be paid directly to the borrower.
To sum up, this paper mainly talks about whether the unreal real estate license can be loaned and what is the mortgage process of the real estate license. It is necessary to realize that an untrue real estate license cannot be loaned, but it will be found out. Don't use fake ones. Really more reliable and practical in your heart.