In life, many people have worked hard all their lives for a real estate license, which is the proof of housing property rights. Of course, now that house prices are rising, it is difficult for many people to buy a house. If the economy is not well-off, it can be handled by means of loans. First, the loan amount of real estate license mortgage loan depends on the borrower's demand and income ability. If you only need 200,000 yuan but borrow 400,000 yuan, then the other 200,000 yuan will undoubtedly bring extra pressure to each repayment. If the borrower's income ability is good, it is enough. If the earning capacity is not good, it is likely to cause overdue and bring trouble to his future loans. Second, the mortgage loan process of real estate license 1, the applicant prepares materials to apply for a loan from the bank; 2. Bank acceptance bills; 3. The appraisal company evaluates the real estate (collateral); 4, the bank according to the information provided by customers and evaluation report for approval; 5. Apply for real estate mortgage after approval by the bank; 6. The bank will lend money after obtaining his right certificate; 7. Post-loan management of banks. Three. Conditions for mortgage loan of real estate license: 1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally no 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, some people in real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities. Conditions to be met for house mortgage: (1) The house property right should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without 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. Where 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, his spouse or other property owners to sign it. 4. Application materials for mortgage loan of real estate license 1, real estate license; 2. Identity cards of property owners and their spouses; 3. Household register of the property owner and spouse; 4. Marriage certificate of the property owner (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau); 5. Identity cards of the borrower and his spouse; 6. Household register of the borrower and spouse; 7. The borrower's marriage certificate (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau); 8, the borrower and spouse's income certificate and bank flow.
Legal objectivity:
Measures for the administration of urban real estate mortgage
Article 4
If the legally acquired ownership of the house is mortgaged, the land use right within the occupied area of the house must be mortgaged at the same time.
Measures for the administration of urban real estate mortgage
Measures for the administration of urban real estate mortgage
Article 5
Real estate mortgage should follow the principles of voluntariness, mutual benefit, fairness, honesty and credit. Real estate mortgage set according to law is protected by state laws.