When people encounter difficult things in life, many people will think of loans, but the general amount of online loans is not much at all. If you borrow money from others, it is difficult to borrow a large amount. If you have a real estate license, you can use it to get a loan. How to borrow with real estate license? When people encounter difficult things in life, many people will think of loans, but the general amount of online loans is not much at all. If you borrow money from others, it is difficult to borrow a large amount. If you have a real estate license, you can use it to get a loan. How to borrow money with real estate license, and the matters needing attention in borrowing money with real estate license need to be understood. Only when the correct loan method is achieved can the loan speed be faster.

How to borrow money with real estate license

How to borrow with real estate license? You can apply for a mortgage loan with a real estate license. Mortgage loan funds are widely used, generally used for decoration, medical care, wedding, study abroad, car purchase, house purchase and other consumer projects.

First, the loan process

1, How to use the real estate license for loans, real estate license (the real estate license and land certificate in mortgage bank loans must be mortgaged to the bank). Identity cards of obligee and spouse. Household register of obligee and spouse.

2. proof of income (this proof has a great influence on the success of the loan and the amount of the mortgage bank loan). If the owner of the real estate license has minor children, please provide birth certificate. If the property still has a bank loan, please provide the original loan contract and the last bank statement. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).

Second, how to use the real estate license to obtain a loan, and the application conditions:

1, a citizen of China (excluding Hong Kong, Macao and Taiwan), aged 18-65 years old, salaried workers and business people who have worked in the current unit for more than six months (if less than six months, but the work content of this unit is the same as that of the previous unit, and the working years of the previous unit can be accumulated).

2. There are no minors under the age of 18 and no adults over the age of 70 (including 70) in the owner of the mortgaged house.

3. If the property is mortgaged for the second time, housing mortgages people must be banks.

4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city).

Problems needing attention in real estate license loan

1. Matters needing attention in handling real estate license loan, the information provided to the bank should be true, the address and contact information provided should be accurate, and the bank should be informed in time if there is any change.

2. The loan purpose should be legal and compliant, and the transaction background should be true.

3. According to your repayment ability and future income expectations, choose the repayment method that suits you.

4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income.

5. Read the terms of the contract carefully and know your rights and obligations.

6. Precautions for using real estate license loans should be repaid on time to avoid bad credit records.

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.

8. Matters needing attention in using real estate license loan. The prepayment must be communicated with the bank one month in advance before it can be processed.

The above introduction is very clear about how to use the real estate license loan and the matters needing attention in using the real estate license loan. You should prepare the relevant information when you handle it, which will be more convenient when you handle it again. In addition, the real estate license loan actually has many problems and certain risks, so you should choose clearly before making a decision.