Buying a house with a loan has become the choice of many young people. Bank loans can usually be divided into consumer loans, commodity mortgage loans, credit loans and other different types. So what kind of loan do we apply for to buy a house? Next, Bian Xiao will briefly introduce it to you.

1. Housing loan is a commercial mortgage loan. Usually, it means that buyers usually mortgage their purchased houses or other collateral recognized by banks to banks to obtain loans. If the buyers can't repay the loan on time, the bank can dispose of the mortgage of the buyers to repay their losses. The buyer mortgaged the house to the bank. If the loan is not paid off, the buyers will not have complete property rights. He only has the right to use the house, so he can't put it on the market or mortgage it again.

2. Housing loans are mainly divided into three forms: housing provident fund loans, housing commercial loans and portfolio loans. Provident fund loans are only for those who have participated in the housing provident fund. The maximum amount of housing provident fund we apply for usually cannot exceed 70% of the total housing price, and different cities have different regulations on the maximum amount of housing provident fund. And the housing provident fund loan interest rate will be low.

3. Some people apply for insufficient provident fund loans, and if the house payment is insufficient, they will apply to the bank for housing commercial loans, which is a general term for provident fund loans and commercial loans. When we apply for portfolio loans, the term of provident fund loans and commercial loans should be the same, and the loan amount of both loans should not exceed 70% of the real estate. This kind of loan has complicated procedures.

4. The interest rate of housing commercial loans will be higher, but usually we can enjoy interest rate concessions when we apply for the first set of housing commercial loans in banks, and the preferential activities of different banks are different. Its program is also relatively simple.

Bian Xiao concluded: Bian Xiao introduced what kind of loan mortgage belongs to here. I hope everyone will understand the housing loan after reading this article.

Does the house bought by loan belong to the house ownership certificate or the real estate certificate?

Hello, no matter whether you buy a house with a loan or a house bought in full, now you have to apply for a certificate of immovable property right, because the real estate license and land certificate have been combined into a certificate of immovable property right, and now there is no real estate license and land certificate for the new office.

Why buying a house by loan is not property right?

The reason why the loan to buy a house is not property right is that the loan has not been paid off. The house bought by loan is not completely owned by itself before the loan is paid off, so it is not the property right of the house. After the loan is paid off, it is the property right of the house that cancels the mortgage registration.

Is the house with a loan a full property right house?

Not all houses that can be mortgaged can apply for real estate licenses. A house with a real estate license must first pass the comprehensive completion acceptance, and then the developer applies to the local housing authority for the transfer of property rights within 90 working days after the delivery of the house, that is, the formalities for handling the real estate license.

Large-scale property houses refer to buyers who have both "House Ownership Certificate" and "Land Use Certificate". Second-hand housing transactions can be carried out legally, and the houses bought are on legal construction land.

The house that the bank can mortgage is not necessarily a big property right house, depending on whether the five certificates of the community are complete, mainly depending on the state-owned land use certificate and the pre-sale (sales) license of commercial housing.

Does the loan house have a real estate license?

At present, many people choose housing loans when buying a house, which can alleviate the pressure of buyers to buy a house to a certain extent. Among them, housing provident fund loans and commercial loans are the two most common mortgage methods. So does the loan house have a real estate license? This article will introduce you.

Does the loan house have a real estate license?

The house that is loaned has a real estate license, because according to the laws of our country, no matter how the buyer buys a house, the developer must handle the real estate license within the specified time. However, after handling the real estate license, the mortgaged house needs to be registered in the bank, and the bank will detain the buyer's house ownership certificate, and indicate the words that the house has been mortgaged in the property right column of the real estate license.

What should I pay attention to when buying a house with a loan?

1, apply for a mortgage and do what you can.

Some people think that the bigger the loan amount, the better, but it is not, because you have to pay some interest when you refinance the mortgage. If your loan term is longer and the loan amount is higher, then you have to pay more interest, which will increase your repayment pressure to a certain extent, so you need to do what you can when applying for a mortgage.

2. Prepare loan information in advance.

If you want to buy a house by loan, you'd better prepare the loan information in advance, such as a copy of ID card, a copy of household registration book, marriage certificate, income certificate, bank account, etc. If your credit card has a bad record, you must remember to apply clearly or issue relevant certificates.

3. Remember to cancel the mortgage.

After paying off the mortgage, buyers should never forget to cancel the mortgage and get back the house ownership certificate, otherwise the house will always be mortgaged in the bank, and buyers will not be able to have complete control over the house.

The above is an introduction about whether the loan house has a real estate license. I hope everyone can have a certain understanding of the loan to buy a house, so that everyone can buy their own house smoothly.

So much for the introduction that the loan house is full property right.