With a pre-sale certificate, you can apply for a bank mortgage loan to purchase a house. The "Commercial Housing Pre-Sale License" is an approval document issued by the real estate administrative department of the municipal and county people's governments to allow real estate development enterprises to sell commercial housing. The competent authority is the Municipal Land and Housing Administration Bureau, and the Municipal Land and Housing Administration Bureau will print, register, approve and issue certificates uniformly. Developers can only sell houses and collect house payments from buyers after obtaining a pre-sale certificate. It is illegal to collect money without a pre-sale certificate, and the law does not protect the rights of buyers and sellers. Whether it is a residential or commercial project, it is very important for home buyers to check whether they have obtained the "Commercial Housing Pre-sale License" before purchasing. They must carefully check whether the house they want to pre-purchase is within the pre-sale building number range.

Legal Basis

Article 45 of the "City Real Estate Management Law of the People's Republic of China" The pre-sale of commercial housing must meet the following conditions: (1) All land has been delivered Use right transfer fee, obtain land use right certificate; (2) Hold construction project planning permit; (3) Calculated based on the commercial housing provided for pre-sale, the funds invested in development and construction reach 25% of the total investment in project construction The above, and the construction progress and completion delivery date have been determined; (4) Apply for pre-sale registration to the real estate management department of the people's government at or above the county level and obtain a commercial housing pre-sale license. The pre-seller of commercial housing shall submit the pre-sale contract to the real estate management department and land management department of the people's government at or above the county level for registration and filing in accordance with relevant national regulations. The proceeds from the pre-sale of commercial housing must be used for the construction of relevant projects.