how to apply for the real estate license for the loan house
First, it is necessary to determine whether the developer has made the initial registration, which is a necessary prerequisite for the developer to apply for the real estate license himself, and then handle it according to the following process.
1. First of all, it needs to be clear that there is a time limit for handling the real estate license after the completion of the second-hand housing transaction, which is one month, that is, both parties to the transaction need to bring relevant information to the housing transaction to apply for it within one month. To register, you need to bring your ID card, household registration book, Commercial Housing Sales Contract and other documents and materials.
2. After receiving the notice of house transaction, both parties to the transaction should bring their ID cards, household registration books, stamps, etc., and can go through the transfer formalities after paying the handling fee, deed tax and stamp duty. The exchange will issue the deed of sale of real estate to the buyer. In principle, the real estate license must be handled by both the buyer and the seller. If the buyer and seller or one of them is unable to handle the formalities of transfer of ownership and registration of property rights for some reason, they may issue a power of attorney to entrust an agent to handle it on their behalf.
3. After completing the formalities for the transfer of ownership, the buyer shall, with the deed of sale issued by the real estate exchange, apply for registration with the Housing and Land Administration Bureau of the city or district (county) where the house is located within three months.
4. After being examined and verified by the real estate management department, the buyer can get the property right certificate.
loan conditions for real estate license
1. The owner of the collateral can be the borrower himself or others. That is to say, even if the real estate license is not your own, you can apply for a mortgage loan with someone else's house as long as you have the consent of others and have proof of consent to mortgage;
2. The actual age of a natural person with full capacity for civil conduct at the maturity date of the loan is generally no more than 65 years old;
3. Have a permanent residence and a fixed residence;
4. Have a proper occupation and a stable income source, and have the ability to repay the loan principal and interest on schedule;
5. Some people in the real estate * * * recognize its loan and guarantee behavior and are willing to bear relevant legal responsibilities;
6. The age of the house (calculated from the completion date of the house)+the loan period shall not exceed 4 years;
7. The property rights of the house should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage;
8. The mortgaged house is not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.