Loan to buy a house, real estate license was seized by the bank. There are many owners who encounter this situation, and the practice of bank seizure of real estate licenses has brought a lot of inconvenience to the owners. The bank said that the seizure of real estate licenses is to prevent malicious lending and avoid. Then, in the face of loans to buy a house, must the real estate license be sealed up?

Editor's note: Loans to buy a house, real estate license was seized by the bank. Many owners have encountered this situation. The bank's practice of seizing the real estate license has brought a lot of inconvenience to the owners. The bank said that the seizure of real estate licenses is to prevent malicious lending and avoid. Then, in the face of loans to buy a house, must the real estate license be sealed up?

Mr. Wang recently bought a house in a building in Zuo 'anmen. After getting the loan from the bank, I was told that the purchase contract and the property certificate to be done in the future should be detained in the bank. Mr. Wang, who can't get both the contract and the property right certificate, is very worried that his future life will be in trouble.

It is inconvenient to deduct the real estate license.

The author interviewed some owners who were detained during the loan period randomly, and they all talked about the inconvenience caused by the seizure of real estate licenses. Ms. Zhao, who lives in Tiantongyuan, said that although there is no problem at present, once she wants to rent out or sell her house because of job transfer and other reasons, she will face some troubles without a real estate license. Ms. Zhao believes: "After all, the replica is not as recognizable as the original. If she changes to renting her own house, I still hope that the homeowner can provide the real estate license. "

Lawyer Liu Kai of Huawei Law Firm thinks: "Whether to mortgage the real estate license in the bank during the housing loan period is a process of how the owner delimits the rights and responsibilities with the bank when signing the contract. Due to the complexity of social reality, the mortgage of real estate licenses in banks may bring inconvenience to lenders. "

The bank said: In order to prevent malicious loans,

The bank that seized the real estate license explained: "If the mortgagor defaults or even maliciously defaults, the bank will encounter trouble when handling the mortgaged house according to the regulations. When the malicious borrower refuses to hand over the real estate license to the bank, or even escapes, it will make the property disposal fall into. " With the real estate license, there is no such problem.

Banks actually have a solution.

Regarding the bank's seizure of the real estate license, a staff member of the bank mortgage department who asked not to be named said: "In fact, it is entirely possible for buyers to get the real estate license after completing the mortgage formalities." Theoretically speaking, as long as the bank has registered the house mortgage in Beijing Real Estate Trading Center before issuing the mortgage and obtained the house ownership certificate as the proof that the owner mortgaged the house to the bank, the loan owner cannot conduct the real estate transaction without completing the mortgage and being confirmed by the bank. As long as there are mortgage records, it is inevitable that the property will not be sold. Therefore, it is feasible to return the real estate license after all the formalities are completed.

In fact, Industrial and Commercial Bank of China and other banks no longer impound real estate licenses. They believe that the bank has handled the real estate license in the housing management department, and its rights and interests have been protected. There is no need to keep the real estate license for the lender.

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The mortgage procedures of major banks in Beijing are also different. Industrial and Commercial Bank of China and Beijing Branch of Agricultural Bank of China both made it clear that after completing the mortgage formalities with the bank and handling the mortgage registration with the housing management department, the house ownership certificate will remain in the bank, and at the same time, the house ownership certificate will be stamped, indicating that the property belongs to the bank during the repayment period and will be returned to the loan owner. After all the loans are paid off, the mortgage will be recovered and cancelled.

China Construction Bank Beijing Branch believes that loans need to be mortgaged with real estate license in principle, but the specific details need to be negotiated with the loan handling bank. The reporter called Dongsi Sub-branch and Haidian Sub-branch of China Construction Bank and learned that their practices have been the same as those of ICBC and ABC. The Bank of China has a different way of doing things. They expressly stipulate that both the real estate license and the property right certificate should be mortgaged in the bank until the consumer pays off the loan.

Second, will the online merchant loan be seized after the deadline?

Will seize the property. Loans overdue, an online merchant, means that if you breach the contract, you will be liable for it. The online merchant bank will help you collect the money, and you must make up the arrears and interest payable within the specified time. Otherwise, the online merchant bank will enforce your assets, including your movable and immovable property, and will be seized and auctioned.