When can I get a loan to buy a real estate license?
According to Bian Xiao, most banks will go to the real estate bureau for mortgage registration with the real estate license after the real estate license is issued, and return the original real estate license to the lender after stamping the mortgage registration stamp in the column of "Setting Other Rights" on the inner page of the real estate license. However, some banks voluntarily return the title certificate, and some banks return it at the request of the lender. Cancel the mortgage registration after the loan is paid off. Some banks still keep the original title certificate until the loan is repaid. It depends on how the contract is listed, and it comes according to the contract. Generally speaking, if there is no agreement in the contract, the certificate should be handled within three months after the delivery of the house. If you buy an existing house or a second-hand house, you should apply for a certificate within three months after signing the contract.
Ways and procedures of obtaining real estate license after loan.
In fact, it takes the same time to buy a house with a loan and get a title certificate with a one-time payment, just putting another title certificate in the bank.
What's his warrant?
When purchasing a general house, when choosing a mortgage loan, there will be a record of his other rights on the house ownership certificate, indicating the owner of his other rights and the type of rights (such as mortgage and pledge). ), the scope of the right (the housing scope of his right), the value of the right (the rental price of his right), the term of the right (the lease term), and the cancellation date (the date when his right disappears).
According to the "Guarantee Law", the mortgage of real estate means that the right to dispose of real estate is restricted, and legal transactions cannot be conducted without the consent of the mortgagee, and relevant procedures such as property transfer cannot be handled. At this time, there will be a column "This house has been mortgaged" on your property certificate. After you pay off the bank loan, go to the bank and ask the bank to issue a "loan settlement certificate", and the bank will return another certificate to you. You can take the Loan Settlement Certificate and other certificates to the real estate management bureau where the property right belongs, handle the mortgage cancellation, and reissue a property right certificate without the words "this house has been mortgaged", which is a house with complete property rights.
Real estate license processing fee
Buyers and sellers need to pay transaction fees and registration fees when handling the second-hand house title certificate, the buyer also needs to pay deed tax, and the seller needs to pay business tax and personal income tax. The transaction fee is 6 yuan money per square meter, and the registration fee is 80 yuan per set; The deed tax is levied at 1% of the house price for a suite with an area of less than 90 square meters, at 1.5% of the house price for a second suite and at 3% of the house price for a second suite. Business tax, surcharge and personal income tax depend on whether the housing area and real estate license have been issued for more than 5 years.
144 square meters? The above houses are called non-ordinary houses, and houses below 144 square meters are called ordinary houses. Ordinary housing is exempt from business tax and surcharges for more than 5 years, and is levied at 5.55% of the difference for less than 5 years; Non-ordinary housing for more than 5 years is levied at 5.55% of the difference, and that for less than 5 years is levied at 5.55% of the total amount. If there is no original invoice, ordinary houses over 5 years are still exempt, ordinary houses under 5 years or non-ordinary houses? 5.55% of the total amount. Houses with more than 5 years and a small number of families can be exempted from personal income tax; It's not a house of several families, and it's not more than 5 years, and you have to pay the income from personal property transfer. 20%, and those over 5 years are 1% of the appraised price.
The financial department collects deed tax: 2-4% of the house transaction amount, and 3% in Hebei. Recently, it is stipulated that ordinary houses should be exempted from fees.
Housing management department charges:
1. Real estate transaction registration fee: 80 yuan/set.
2. Housing transfer fee: 3 yuan /m2 for newly-built commercial housing (the price comes from the Internet for reference only) and 6 yuan /m2 for existing housing (the price comes from the Internet for reference only). Reduction of affordable housing.
When can I get the real estate license when I buy a house with a loan? Bian Xiao has already introduced this issue to you, and now you should have a certain understanding of this issue! The housing problem has now brought great pressure to many people's lives, so this problem has troubled many people. Bian Xiao believes that with the continuous improvement of people's living standards, people's housing will become smaller and smaller. Of course, this is also inseparable from the strong support of the government and the introduction of relevant preferential policies.
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