2. Check online. Search the websites of local provincial and municipal real estate administrations, enter the lessee's name and title certificate number, and make a property inquiry under my name. But the inconvenience means that at this stage, not all the websites of the regional real estate administration can find the information content of the housing property certificate.
3. Go to the Archives Department of Finance Bureau to check. Bring your identity information. If someone else checks, they need to bring a fair power of attorney and use the system software to apply for inspection in the microcomputer of the service hall of the Housing Authority. So far, housing ownership has basically been put on record.
What housing information does the real estate license include? 1, owner status. Refers to the owner's name, ID number (himself), company nature, existence, etc.
2. Land use status. Refers to the location of land resources, use area, service life, land number, methods of obtaining land resources, etc.
3. Housing property rights. Refers to the building structure type, relative height, completion date, total construction area, overlapping floors, main purpose of design scheme, house number, etc.
4. Other leading positions of the real estate industry. If there is mortgage, record the mortgagee, mortgage amount, mortgage period, etc.
5, 4 to the life realm map.
Is mortgage loan easy to borrow? 1, mortgage interest rates is much higher than the housing loan interest rate, and mortgage interest rates is much higher than the housing loan interest rate. The interest rate of general housing mortgage loan will rise by 30% compared with the loan interest rate, far exceeding the mortgage interest rate, and there will be many additional expenses in the process of housing mortgage loan, such as housing guarantee fee and mortgage evaluation fee. If you find an intermediary to apply for a mortgage loan, you still need to pay a lot of introduction fees, but buying a house mortgage loan is expensive.
2. Short loan term and short mortgage term. The mortgage loan of the house is a consumer loan, and the repayment date of the consumer loan is 10 year. Compared with the 30-year repayment date of housing loan, the work pressure is obvious. Therefore, if the economic situation is not enough to solve it, it is recommended not to choose this way.
3. Loans are risky, and mortgage loans are risky. Since buying a house is not a consumer loan, once it is found that the borrower uses the loan for trading, the bank has the right to stop lending or recover the loan in advance. If the circumstances are serious, the bank can characterize it as loan fraud, which will seriously affect the personal credit report and endanger the application for loans in the future. It can be said that buying a house with a mortgage loan is a method that you know you can't give, and there is no way. Choosing this method is also risky, so you need to think twice.
What is the process of paying off the loan and getting the real estate license? First, go to the bank to retrieve the existing real estate license.
If the original title certificate of the commercial house is mortgaged to the bank, the buyer has already completed the loan, or repaid the loan in advance and contacted the bank Chen Jianli in advance. The bank staff will tell the buyer when to go through the formalities. Different types of banks will have different requirements, but banks will require buyers to bring identity documents, mortgage documents, loan agreements, insurance policies, tax stamps and other related information.
Property buyers will get a repayment voucher when they go to the bank for liquidation at the specified time, and the bank will also return the original commercial housing title certificate, the original sales agreement and the original insurance policy to the property buyers. Property buyers can get back their own commercial housing property certificate.
Second, get back the existing real estate license from the developer.
This situation will be more complicated. Property buyers have paid off the loan before the mortgage of commercial housing property certificate. Because the property right certificate of commercial housing of buyers has not been mortgaged, developers are still in the mortgage stage, and there is a triangular relationship among banks, developers and buyers. If the loan is repaid at this time, the buyer can ask the developer for the title certificate of commercial housing after receiving the repayment certificate from the bank. If the developer has already obtained the title certificate of commercial housing, the buyer can directly obtain the title certificate of commercial housing. If the developer has not yet done the commodity house title certificate, the buyer has the right to ask the developer to reissue the commodity house title certificate as soon as possible.