You can borrow money, but you need to meet other conditions.

Most of the loans applied for with real estate license are mortgage loans, that is, using the house as collateral to obtain a bank loan amount. If you have a real estate license, you can naturally apply for a bank loan, and the amount is generally not too low. However, it is not enough to have a real estate license. You also need to meet the following conditions to realize the loan.

1, with land use certificate. The real estate license we often say is only a certificate to guarantee the ownership and use right of our real estate, as well as the income and disposal, excluding land, so we must also provide a land use certificate when applying for a real estate loan. Only houses with complete double certificates can apply for bank mortgage loans.

2. You must use the original real estate license, and a copy of the real estate license cannot apply for a real estate mortgage loan. Because the copy has no legal effect, you must bring the original when applying for a loan, and also prepare the loan application form, land certificate, real estate mortgage contract, loan contract and identity certificate. If the mortgage loan is not handled by an individual, but by a state-owned enterprise or a collective enterprise, it needs to be stamped with the official seal, and the loan must be approved by its internal resolution.

3. Personal credit information of loan users is very important. The borrower's personal credit information is a key step in applying for a loan. Many loans are lost in this step.

People often apply for bank loans, but they are told that they can't get loans because of overdue credit cards or bad debts of debit cards, thus missing the opportunity. Therefore, before preparing a loan, you must first check your credit information to see if there are any overdue records and bad records. If so, the credit problem should be solved before the next loan work can be carried out.

Second, can I go to the pawnshop for a loan with a real estate license?

Yes, you can get a mortgage.

Real estate license loan process:

I. Information of the Lender

1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

2. Have permanent residence and fixed residence in this city; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. Willing and able to provide real estate mortgage approved by the lender;

4. The co-owner of the property recognizes the relevant loan and guarantee behaviors and is willing to bear relevant legal responsibilities.

Second, the conditions of mortgaged property

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period shall not exceed 40 years;

3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;

4. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property co-owners to sign it.

Third, the real estate license mortgage loan process

1. Prepare all materials, including husband and wife ID cards, household registration books, marriage certificates, real estate licenses, purchase contracts or invoices, and bank statements of personal accounts for the last six months.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

3. Can I get a loan with a real estate license?

Do you buy second-hand or take-away? You can get a mortgage if you have a real estate license.

4. Can I borrow money to buy a house without a real estate license?

You can't borrow money to buy a house without a real estate license.

Under the regulations of the bank, if you want to take a house as a mortgage loan, you must take a real estate license to handle it. However, if the house you buy is a mortgage loan, you can handle other loans with this loan contract. At this time, the trust is higher than that of ordinary sales contracts.