According to Article 44 of the Regulations of People's Republic of China (PRC) Municipality on Urban Real Estate Management, the pre-sale of commercial housing shall meet the following conditions:
(a) have paid all the leasing fees for land use rights and obtained the certificate of land use rights;
(2) Holding a construction project planning permit;
(three) according to the pre-sale of commercial housing, the investment in development and construction has reached more than 25% of the total investment in engineering construction, and the construction progress and completion delivery date have been determined;
(four) to the real estate management department of the people's government at or above the county level for pre-sale registration, and obtain the pre-sale permit certificate of commercial housing.
To sum up, the regulations do not stipulate that developers must hold real estate licenses to sell houses to consumers, but it is necessary to make sure that this house can apply for real estate licenses in the future. In addition, the house rebuilt in the old city is not feasible and the transaction is not safe. No title certificate is not protected by law, and there are certain risks.
Extended data
Information required for real estate mortgage loan
1. Identity cards of the obligee and spouse;
2. Income-related certificate (this certificate has great influence on the success of mortgage loan and the level of loan);
3. The borrower's marriage certificate (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
4. Real estate license (the real estate license or land certificate in the house mortgage loan must be handed over to the bank as collateral);
5. Household register of the borrower and spouse;
6. In order to improve the pass rate of mortgage loan, please provide other family property certificates (for example, other real estate licenses, stocks, funds, cash passbook, vehicle driving license, etc.). );
7. If the owner of the real estate license has minor children, please provide a birth certificate;
8. If the property has other bank loans, please provide the original loan contract and the latest bank statement.
Real estate mortgage loan conditions
1,18-a natural person aged 65;
2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
3. There is no illegal act;
4. Good credit information and bad credit records;
5. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
6. Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;
7. The property right of the house is clear and meets the listing and trading conditions stipulated by the state;
8. Real estate can enter the real estate market without any other mortgage;
9. The sum of the housing age and the loan application period cannot exceed 40 years;
10, 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 the real estate department and the land management department;
1 1, other conditions stipulated by the bank.
Refer to Baidu Encyclopedia-Mortgage
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