You can't mortgage a loan with someone else's real estate license. The mortgagor and the house owner must agree to mortgage the house.
2. Legal provisions: People's Republic of China (PRC) Civil Law.
Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:
(a) buildings and other land attachments;
(2) The right to use construction land;
(3) the right to use the sea area;
(4) Production equipment, raw materials, semi-finished products and products;
(5) Buildings, ships and aircraft under construction;
(6) means of transportation;
(seven) other property not prohibited by laws and administrative regulations. It is impossible to apply for a loan with someone else's real estate license, and its property rights do not belong to individuals, so it is impossible to apply for a loan as a mortgage certificate. According to Article 25 of the General Rules for Loans, if a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks.
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Netizen from Chengdu, Sichuan
2022-02- 1205: 14:04
Others can take your real estate license as a mortgage loan, of course, you need to agree to sign it, but if there is a problem with the loan, your property will be repaid. You should think about it.
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Jiangxi Ganzhou netizen
2022-02- 1205:34:46
What you really want to ask is, will your friend use your certificate to handle illegal hooking up, and you are too embarrassed to confirm with him, right?
The bank will check the consistency between the certificate and himself, but he can act as your agent. What worries me most is that he has made mortgage loans to some small financial companies. These small financial companies are now blooming everywhere. In order to compete, they ignore the constraints of laws and regulations and focus on business, so they are worried that they will lend money to your friends.
Whether your friend can trust such an important thing should be taken back as soon as possible. You can say that you will need these documents soon. If he insists on not coming back, he must also ask the reason for not coming back. If he has a bad idea, call the police immediately, otherwise once the business is successfully handled, even if you can prove that you didn't handle it yourself, it will be endless trouble.
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Netizens in Shenyang, Liaoning
2022-02- 1205: 19:02
Definitely not. Since it is your real estate license, the property ownership is in your hands, and no one can apply for a loan with someone else's property. Unless you borrow money from personal property in your own name and then lend it to others. After someone else takes away your real estate license, you can't borrow from the bank with the real estate license. If this works, many people can print a fake real estate license and then borrow money from the bank at will.
What are the consequences of overdue credit cards?
If the overdue period reaches a very serious state, it will constitute a malicious overdraft and will be convicted of a credit card crime. Sentencing standards will be implemented according to the amount of our malicious overdraft, including less than 5 years, less than 5 years of dissatisfaction with 10 year, or more than 10 year, and a fine of 20,000 yuan to 200,000 yuan, 50,000 yuan to 500,000 yuan or confiscation of property.
If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if it is overdue three times in two years, then our provident fund loan will be beyond our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.
If the overdue period is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have a bad record of credit investigation. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by 10% because of your credit problems. Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering the plan to buy a house in the future, it must not be overdue.
Each bank's credit card has a certain grace period for repayment, during which the repayment will not be recorded in the credit report. Most bank credit card repayment grace period is 3 days, and the application does not need to take effect automatically. However, some banks have special provisions on the grace period for repayment, as follows:
1, Bank of China:
The grace period for repayment of the Platinum Credit Card of China Bank is 9 days, and the grace period for repayment of other credit cards of China Bank is 3 days.
2. Postal Bank:
The grace period for repayment by China Post Bank is 4 days.
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Is it risky to raise the loan requirements?
If it is a formal platform, there should be no risk.
The loan is used for transfer, indicating that the loan is mortgaged. If it is a pure credit loan, each bank and institution has different requirements and different materials preparation. But at present, the transfer of credit loans has never been seen, and the transfer of production is generally used for mortgage, which is often seen when buying and selling houses.
Right to production and adjustment
The right of property right transfer is the right of property right investigation, which refers to property right investigation. As long as the house has been filed with the real estate bureau, it can be pulled out for property transfer.
Can the property right survey prove that you can apply for a loan?
Information usually needed to apply for a loan:
Identity information: ID card, military officer's card, etc.
Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ;
Proof of use: the first floor is the purchase contract, down payment invoice, etc. ; Second-hand building refers to the original house ownership certificate, house purchase contract and down payment receipt confirmed by the seller; Decoration loan is a renovation contract or agreement signed with the decoration company;
Proof of repayment ability.
Other materials need to be submitted for the specific loan application, and the loan handling bank needs to be contacted for detailed confirmation when applying for the loan.
Is the real estate transfer loan a mortgage house?
The loan for production adjustment is a mortgaged house, and the loan is used to provide production adjustment, indicating that the loan is a mortgage. If it is pure credit, each bank and institution has different requirements and different materials preparation. But at present, we haven't seen the transfer of credit loans. Generally, real estate transfer is used as collateral, which is often seen when buying and selling houses.
First of all, there are two main legal risks of insufficient collateral value:
(1) value-added mortgage. It means that the value of the mortgagor's collateral is lower than the value of its secured creditor's rights. When establishing a mortgage, the creditor's rights secured by the mortgage shall not exceed the value of the collateral. It should be noted that the over-value mortgage is not invalid. According to the law, if the creditor's rights secured by the mortgagor exceed the value of the mortgaged property, there is no priority for the excess. Creditors can only ask debtors to pay off their debts with property other than collateral. It seems that only banks, not enterprises, may be hurt by this regulation, but in fact it is not. Banks can coordinate the linkage mechanism, release the information of fraudulent loans or over-value mortgages of related enterprises to the business network, realize information sharing, and prevent and avoid management loopholes and loan losses caused by lack of information. Therefore, it is difficult for enterprises with "criminal record" to obtain loans again. (2) Repeated mortgage. Repeated mortgage means that after the property is mortgaged, the value of the property is greater than the balance of the secured creditor's rights, and it can be mortgaged again, but it shall not exceed the balance.
Second, the application conditions
1. Loan application (loan purpose/amount/year/repayment source). 2. Real estate license. Proof of work and income (both husband and wife). 4. Household registration (husband and wife) 5. Id card (husband and wife) 6. Marriage certificate 7. Personal assets or financial proof, such as bank passbook, car driving license and other copies.
The enterprise's repeated mortgage must meet the following conditions: First, the establishment of repeated mortgage must be based on the premise that there is a balance after deducting the total amount of creditor's rights guaranteed by the existing mortgage. Second, the amount of creditor's rights secured by repeated mortgage shall not exceed the balance of collateral, and the excess shall not have the effect of priority compensation.
The loan company requires an ID card, a household registration book, and a production transfer before it can make a loan!
Absolutely. If you get 70,000-80,000 yuan, the interest rate will be 20-30%, which is more than four times the benchmark interest rate of the loan. Most importantly, the loan company will charge full interest when lending money. Lending companies and banks with formal business can't do this, so only illegal institutions will do it. Changing production is a means to see if this house is yours or if there are several co-owners, depending on your property.
So much for the introduction of whether the production transfer can be loaned.