How can I borrow money to buy a house without a real estate license?
How can I borrow money to buy a house without a real estate license? A house without a real estate license must not be loaned. When using real estate as a mortgage loan, the essential information is the real estate license. No real estate license means that the owner of the house only has the right to live in the house and has no right to use it. Therefore, it is impossible to get a loan without a real estate license.
However, if the borrower has a stable and legal income source and good credit, he can directly apply for unsecured loans when he needs funds. This avoids the dilemma that you can't get a loan without a real estate license. The loan amount of unsecured loans is mainly related to the borrower's income and credit status.
What is the transfer process of a house without a real estate license?
Houses without real estate licenses cannot be transferred, and houses without real estate licenses are not filed with the Housing Authority, so there is no transfer.
1. There are two situations for the transfer of houses that can apply for real estate license, but have not yet applied for real estate license:
(1). If the commercial house has not been completed and accepted, it can be renamed. However, it is necessary to issue an unfinished inspection report to the relevant municipal units, and the developer submits the reasons for renaming the contract, and then pays the relevant formalities.
(2) If the commodity house has been completed and accepted, it cannot be renamed, but the name of the property right certificate can be renamed as a gift after handling the property right certificate. In practice, developers have to charge a certain percentage of fees, generally 1%.
2. Proof that the purchaser of the real estate license has obtained the legal ownership of the house through the transaction, and can exercise the right of possession, use, income and disposal of the purchased house according to law.
3. Real estate transfer refers to the procedures for changing the property rights of houses obtained by means of transfer, sale, gift and inheritance. , and in the housing ownership registration center. That is, the whole process of the transfer of property rights from Party A to Party B. There are several different situations in the transfer of real estate, such as the transfer of inherited real estate, the transfer of donated real estate and the transfer of second-hand housing.
When buying a house, if you encounter a house without a real estate license, you should consider it carefully when buying and selling, so as not to affect your own interests. The above is about how to borrow money to buy a house without a real estate license and how the house transfer process is introduced. In the matter of buying a house, everyone must pay attention to the specific details of the sale.