The interest on the house loan is calculated from the day of lending, and the user needs to repay it on time on the next month's repayment date. Since the next repayment date after the loan is released is not due, the interest from the loan date to the next repayment date is calculated on a daily basis, so it is normal for users to deduct more from the first mortgage.

Can I get a real estate license by buying a house with a mortgage loan?

In fact, it takes the same time to buy a house with a loan and get a property right certificate with a one-time payment, but another "other property right certificate" is placed in the bank. Many mortgage borrowers must be confused. Since the house can get the real estate license within 90 days after the developer turns over the key, why do many property buyers not get the real estate license for more than 90 days or even longer? The specific reasons are as follows:

1. The developer failed to apply for the real estate license for various reasons. This situation requires owners to protect their rights, and requires developers to apply for real estate licenses as soon as possible and bear the corresponding liability for compensation.

2. The real estate license has been processed. Since it is the buyer of mortgage loan, the bank will keep it as collateral after the real estate license is processed, and the real estate license will not be returned until the buyer pays off the mortgage.

In this case, the buyer can only get the real estate license after the loan is paid off. Of course, property buyers can also repay in advance and then get the real estate license in advance, which generally takes 15-20 working days to get the real estate license.

4. The real estate license has been processed. As the buyer of mortgage loan, the bank will keep it as mortgage after the real estate license is handled, and some banks must apply for real estate license by the buyer himself. Of course, mortgage property rights need to be registered in the application process.

At present, some banks will not keep the original real estate license as collateral. The bank will take the initiative to register the overstocked property with the Housing Authority, and then send the original property to the buyers. However, the "Setting Other Rights" column on the inner page of the real estate license will be stamped with the mortgage registration stamp. I own the property right certificate, but his title certificate is in the bank. If you pay off the loan, you can get his certificate back, and then cancel the mortgage through the transaction.