Can't apply for provident fund loans. Housing that can apply for provident fund loans: commercial housing (the developer must sign a loan cooperation agreement with the municipal housing provident fund management center); Existing housing (that is, property rights purchased through housing reform); Second-hand houses (stock houses are listed and traded); Houses without property rights (houses owned or mortgaged by a third party must be owned by the owner); Auction house (the auction company shall sign a loan cooperation agreement with the municipal housing provident fund management center).
2. Can I get a loan for the new real estate license after August 20th?
Zhengzhou began to implement unified registration of real estate on the 20th, and the real estate registration department officially accepted the application for registration on the 25th.
During this period, according to the unified arrangement of the whole city, relevant departments are in full swing for data handover and work docking. As far as Zhengzhou Housing Management Bureau is concerned, the related business involving ordinary people in its service hall has never stopped.
However, starting from today, new related business processes will be implemented.
At 5: 00 pm on June 5438+09, it has passed the off-duty time, but the staff in the office hall of Zhengzhou Housing Management Bureau are still working overtime to handle business.
What about the old "old business" now?
Commercial housing transaction process:
Apply for the housing area forecast map → supervise the pre-sale fund of commercial housing → record the contract → apply for the actual surveying and mapping of housing area → pay the surveying and mapping fee → accept and print the confirmation form of housing transaction and property right status in Zhengzhou.
Second-hand housing transaction process:
Sign the contract for the sale of stock houses online → verify taxable value, pay taxes, maintenance funds, etc → pay the house transfer fee → accept and print the Confirmation Form of Zhengzhou House Transaction and Property Right Status (Transfer).
Commercial housing sales contract filing process:
Accept the contract filing documents → review the filing materials → record the property list and print the confirmation form.
On the 20th, the Housing Authority will no longer issue real estate licenses.
Yesterday, some readers reported to the reporter of Henan Business Daily that Zhengzhou real estate registration has started, even the notice of the Housing Authority has come out, and the real estate license has also stopped processing. According to the reporter of Henan Business Daily, the unified registration of real estate in Zhengzhou has been intensively carried out. During the period from 20th to 25th, relevant departments of Zhengzhou City began to collect and connect data.
Yesterday, Henan Business Daily reporter learned from the insiders of Zhengzhou Housing Security and Real Estate Administration (hereinafter referred to as Zhengzhou Housing Management Bureau) that the bureau stopped issuing real estate licenses on the 20th and upgraded the system, and some new business processes will be implemented from today. In order to adapt to the new operation interface as soon as possible, Zhengzhou Housing Management Bureau specially organized all front-line staff to conduct business training and system testing on the 20th and 20th to ensure seamless business connection.
Henan Business Daily reporter learned from the announcement finalized by the bureau that since the 20th, the businesses that Zhengzhou Housing Management Bureau will no longer handle are: initial registration of house ownership, cancellation registration of house ownership, objection registration, replacement of lost certificates, sealing up and restriction of registered houses (including cancellation), etc.
It should be noted that before August 19, the housing transaction and registration business accepted by Zhengzhou Housing Management Bureau will continue to be completed, that is, the housing ownership certificate or certificate will continue to be issued according to the original model.
In addition, after August 25th, not all real estate licenses will be changed into real estate registration certificates, but the real estate licenses you have already held will continue to be valid. If the house is not traded, the real estate license will not be replaced. Only when the house is sold, the real estate certificate will be replaced by the immovable property certificate.
If you don't get it in time, you will be in big trouble.
According to the reporter of Henan Business Daily, according to the unified arrangement of Zhengzhou Municipal People's Government, since August 20, 20 16, Zhengzhou's housing registration business has been formally incorporated into the unified registration of real estate, and "stopping the old and issuing new ones" has been implemented, that is, the housing management department will no longer issue housing ownership certificates such as housing ownership certificates, but the municipal land department will register and issue real estate ownership certificates.
Since 20th, Zhengzhou Housing Authority has stopped all kinds of housing registration business, but continued to handle housing transactions and property management business. The original service hall and window settings remain the same as before.
According to relevant persons of Zhengzhou Housing Management Bureau, Zhengzhou Housing Management Bureau will issue Zhengzhou Housing Transaction and Property Right Status Confirmation Sheet after the applicant has completed the relevant business. The parties apply for real estate registration at the service window set up by the municipal real estate registration center with the application materials such as confirmation form and obtain the real estate ownership certificate.
Special reminder is that the Notice of Confirmation of Housing Transaction and Property Right Status is the proof of the audit results of housing transaction and property right management, that is, the housing management department must review and confirm its authenticity and legality, and must receive it in time. Do not receive the right to subsequent transactions that will affect your house.
These businesses can continue to handle ↓
According to the notice, citizens can continue to handle the following business in the Municipal Housing Authority:
1. The housing transaction and property management business that the Housing Authority continues to handle includes pre-sale permit of commercial housing, online signing contract filing of commercial housing, and supervision of pre-sale funds of commercial housing; Commercial housing spot sale plan filing, commercial housing transfer. Handle project changes and corrections.
2. Online signing contract filing, transaction fund supervision and transaction review for the transfer of stock houses. Handle project changes and corrections.
3 real estate surveying and mapping and results review, and the establishment of housing property rights table. Handle project changes and corrections.
4. Mortgage of pre-purchased commercial houses, existing houses and projects under construction. Handle project changes and corrections.
5. Pre-seal up and restrict unregistered houses that have been included in the scope of sales supervision.
6. Personal housing information inquiry.
3. Can the new real estate license be mortgaged?
1. What mortgages can be used for bank mortgage loans?
1. 1
Real estate. Bank mortgage loans can be used to mortgage personal housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally require a down payment of 70% or 80%.
1.2
4. Can the real estate license be loaned?
People who do business now want to seek a large amount of capital flow, and they usually choose private loans or bank loans. In these places, loans need guarantors and collateral to apply better. Can the real estate license be used for loans? Let's take a look with Bian Xiao.
1. Can the real estate license be used for loans?
Property certificates can be used to mortgage loans. When we buy a house, we get the property right certificate, which can naturally be used as collateral to borrow money from banks or credit companies. The loan amount is generally about 70% of the property valuation, and the total valuation is usually lower than the selling price.
If you want to apply for a loan through the real estate license, the premise is to get the consent of its co-owners, that is, all the names on the real estate license must be agreed, and all the co-owners must come forward to handle it. If the loan applicant's repayment ability and credit record are not very good, the loan amount will be reduced accordingly.
Second, the application process of loan real estate license
To apply for a bank loan with real estate license, firstly, the applicant needs to prepare his/her ID card and household registration book, income certificate stamped with the official seal of the company, marriage certificate, real estate license, house purchase agreement, notarial certificate of consent of the co-owner of the property, proof of loan use and other materials and submit them to the loan bank for loan application.
The bank will evaluate the submitted materials, and once the materials are approved, the bank will evaluate the real estate houses to calculate the loan amount, and the expenses arising from the evaluation will be borne by the loan applicant. After the assessment is passed, the relevant loan contract can be signed. The loan applicant should open an account in the bank. After the relevant mortgage registration is completed, the bank will transfer the loan amount to the applicant's account.