Real estate license mortgage, real estate licenseLoan process
First, the conditions of the lender: 1. The natural person with full civil capacity, the actual age at the expiration date of the loan is generally not more than 65 years old; 2, there is a permanent residence in the city, there is a fixed residence; there is a legitimate occupation And a stable source of income, with the ability to repay the principal and interest of the loan on time; 3, willing and able to provide mortgages approved by the lender; 4, the property owners recognize their borrowing and guarantee behavior, and are willing to bear relevant legal responsibilities. Second, the conditions of the mortgaged property 1, the property rights of the house should be clear, in line with the conditions of the state-listed listing transactions, can enter the real estate market circulation, without any other mortgage; 2, the age of the house (calculated from the completion date of the house) + loan The term is not more than 40 years; 3. The mortgaged house is not included in the local urban renovation and demolition plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department; 4. The collateral owner may be the borrower himself or others. Where a property owned by another person is used as a collateral, the mortgagor must issue a written commitment agreeing to the borrower's application for the loan with his property as a collateral, and require the mortgagor and his or her spouse or other property owner to sign.