Due to the increasing downward pressure on the economy, people are under increasing pressure to buy a house. Many people choose to pay the down payment first and then borrow money from the bank to buy a house, and pay a certain repayment to the bank on time every month. Many people are buying a house with a loan for the first time. They are not familiar with this aspect and will have many questions. Who has the real estate license for the loan? What is the process of buying a house with a loan? Due to the increasing downward pressure on the economy, people are under increasing pressure to buy a house. Many people choose to pay the down payment first and then borrow money from the bank to buy a house, and pay a certain repayment to the bank on time every month. Many people buy a house with a second loan. If they are unfamiliar with this, they will have many questions, especially about the real estate license. After all, the real estate license is still very important for a house. Who has the property right certificate of the loan? What is the process of buying a house with a loan?

Who has the real estate license for the loan?

1. The real estate license is in the hands of the buyers, and can be recovered after mortgage registration, and is held by the property owner. As the mortgagee, the bank will get his right certificate. When you get the property right certificate, you can buy or sell some property rights and go through the transfer procedures. However, it should be noted that the change of property rights must be approved by the mortgagee and the corresponding change procedures should be handled in the bank.

2. The house ownership certificate refers to the right certificate issued by the house management department and held by the mortgagee after the registration of his other rights. The house ownership certificate is a legal certificate issued by the house property registration authority to the mortgagee or the mortgagee and other obligees.

3. Generally speaking, when registering his other rights, the date of the term will be stated on it, that is, the validity period of the house ownership certificate, that is, the time limit for the debtor to perform the debt.

What is the process of buying a house with a loan?

1, Preparation before buying a house

First of all, we should estimate our actual level from our own funds and repayment ability, and determine the conditions of the house according to actual needs, including location, area, floor and orientation.

2. Comparative selection and field investigation of multiple houses.

Learn about housing information through various media. Property buyers comprehensively compare the characteristics of various media listings through various media channels, and comprehensively and carefully examine the listing information. If necessary, you need to make a field trip and choose carefully.

Don't just listen to other people's opinions, but judge according to your own preferences:

Usually, we should consider whether to buy a house from the following aspects: weekly municipal planning, location, price, property management level and housing structure.

4. Price negotiation and house purchase contract signing

Negotiating and signing a house sales contract with the seller is an important link in the purchase procedure, and both buyers and sellers must fulfill their rights and obligations in the contract, including all aspects of the contract.

Who has the real estate license for the loan? What is the process of buying a house with a loan? After these questions, I believe everyone has a preliminary understanding of the place where the real estate license is located. I suggest that if you want to buy a house with a loan, you should understand the process of buying a house with a loan as soon as possible. After all, the sooner you know, the more helpful it will be for you to buy a house. You should consider all aspects comprehensively.