The bank gave me a reminder of mortgage registration and asked me to apply for a real estate license. What will happen if I don't do it?

Without real estate license, banks can't handle mortgages, so they can't receive mortgage loans.

Personal housing mortgage loan means that the applicant applies for a loan from the bank with his own housing property rights as collateral, and the loan funds can be used for personal consumption and operation.

Personal housing mortgage loan is different from personal housing mortgage loan. Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan.

If the individual mortgage loan fails to repay as agreed within the mortgage period, the bank will recover the property and obtain the ownership of the house, and at the same time, it can auction the illegal money according to law.

hypothesis

1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank;

bank loan

Personal business loan is a loan with the property of an enterprise legal person or shareholder as collateral and the funds obtained for enterprise operation.

Loan advantage

1, and the loan amount is high, up to 70% of the real estate appraisal value;

2. Pay interest quarterly and repay the principal in one lump sum;

3, according to the actual amount of interest;

4. The use of the loan is not limited, and no proof of consumption is required;

5. The procedure is quick and simple, and the loan can be approved within 5- 10 working days.

Bank requirements

1. Self-employed legal persons or equity holders operate normally.

2, excellent/standard wage accumulation fund punch salary/unit work certificate

3. The property provided is a big property right and can be listed and circulated.

Loan procedure

1. The lender entrusts the Company to handle the loan procedures and submit the corresponding materials required for the loan;

2 for mortgage, pledge, pledge evaluation report;

3. Submit the loan application form to the loan bank, sign loan contracts and various agreements, and go through notarization and insurance procedures;

4. Bank approval;

5. The real estate bureau shall register the mortgage and handle his right certificate;

6. The bank confirms and issues loans.