For an existing house, as long as the bank loan is obtained, there will be no problem with the real estate certificate__

If it is not a mortgage loan, but a loan for your existing house, you must first apply for a real estate certificate ：:

Because bank real estate loans require a real estate certificate, you cannot get a loan without a real estate certificate. Therefore, new houses also need to have a real estate certificate.

If you have a mortgage on behalf of your house, you are actually getting a loan. It doesn’t matter if you apply first and then apply. Even if you apply, you still won’t get the real estate certificate, and the bank will mortgage it and keep it on your behalf. It will be returned to you after you pay off the mortgage.

Does being able to get a normal loan for a work-compensated house mean that there is no problem with the house?

Most of the work-compensated housing can be borrowed. The so-called work-related housing means that the house is given to the construction unit, and the house payment is deducted from the project payment. However, most work-related housing does not require online signing, and you can still go through normal sales channels through the sales office.

How much can I borrow if I mortgage my house to a bank? Will the house be risky?

Hello, using a house mortgage loan can loan 70-80% of the value of the property, but the standards of each bank are different.

According to the principle of "buying and selling does not break the lease", if "rent first and pay later", even if the borrower cannot repay the loan on time, since the lease is still valid, it will be difficult for the bank to process the mortgaged property.

Rental income may also be difficult to come by. Secondly, if the borrower fails to repay the loan on time, the bank has the right to dispose of the mortgaged property to repay the loan.

I hope I can help you

I still have a loan for the second-hand house I bought, can I buy it?

It can be purchased, and second-hand houses with loans can be traded.

The premise is to settle the loan and cancel other warrants, then transfer the ownership and change the property rights;

The loan cannot be directly transferred to the buyer. The buyer can first help the seller to settle the loan and transfer the loan curve. This amount is included in the total house payment.

After paying off all the money he owes the bank, he will transfer the property to you after getting the certificate. Many people do this transaction, but after you pay the money, you have to sign a contract and verify the real estate certificate. If he bought a new house, there should be a purchase contract and purchase invoice.

Extended information:

Notes on check-in of second-hand houses:

Notes on check-in

1. Read the delivery list clearly

Most of the current second-hand housing market is decorated houses. When signing a contract, owners and buyers are asked to list the list and quantity of the attached items. For some home appliances, it is recommended to list the model, brand, etc., to facilitate the collection of the property. Check whether the items comply with the contract.

2. Check whether there are quality problems with the indoor facilities of the unit

Buyers must pay attention to check the quality of the project when taking back the building, such as doors, windows, ceilings, walls, and floors. Quality, whether there are leaks, etc. (especially for older properties); check whether the water and electricity are normal, whether the water channels are smooth, etc. Check whether all indoor equipment are working properly. If there are any problems, the old owner must cooperate with the new owner to repair them. Otherwise, the new owner may be responsible for the expenses mentioned in the case. After taking over the building, it was found that the original owner owed thousands of dollars. When trying to recover the fees from the original owner, I have no choice but to admit that I am unlucky. Therefore, when taking possession of the property, buyers must confirm that the original owner has paid off the water, electricity, gas, telephone, television, Internet, and property management fees. Wait for the fee to avoid unnecessary expenses.

3. Whether the property resumption certificate is complete

For some new buildings that have not been moved in for many years, buyers must check whether the documents for acceptance of the delivery of the building are complete when taking over the property. At the same time, for some so-called For repossession fees, such as maintenance funds, etc., you must clearly know whether the owner has paid them before, so as to avoid causing your own losses.

4. Whether the household registration has been moved out

For prestigious school properties, some original owners have sold the property, but the household registration is still attached to the sold property. When the new owner takes over the property, If you want to use the household registration of the property, promptly ask the other party to move out the household registration on time, otherwise the new owner will not be able to find the police station to receive the household registration.

5. Whether the invoice is complete.

After the buyer successfully takes over the property, the customer usually has to go through some transfer procedures, such as whether the transfer tax bill, cable TV, telephone, Internet and other name transfer procedures are complete, otherwise the buyer will not be able to use the relevant Serve.