When can I get the real estate license when I buy a house with a loan?
It takes the same time to buy a house with a loan and get a title certificate with a one-time payment, but one more title certificate is placed in the bank.
According to the relevant regulations, the time for buyers to obtain the real estate license after purchasing the house is within 60 days from the date of delivery of the commercial house. When handling the real estate license, they need the information provided by the developer to register the ownership of the house and submit it to the real estate department where the house is located. Otherwise, if the developer defaults, the time for the owner to get the real estate license will be delayed. For the purchaser of the pre-sale contract, the time for handling the real estate license should be within 90 days from the date of delivery of the commercial house; Existing buyers should apply for real estate license within 90 days from the date of signing the sales contract.
However, for buyers who buy a house with a loan, the time for handling the real estate license depends on the contract signed between you and the developer. The handling of the real estate license is subject to the contract agreement first, and it is necessary to check how it is agreed in the contract. If the processing time stipulated in the contract is exceeded, the developer shall bear the relevant liability for breach of contract.
Advantages of buying a house with a portfolio loan
1. High loan amount
Because the amount of provident fund loans is limited, it will be more troublesome for buyers who want to use all provident fund loans. Property buyers cannot use provident fund loans to meet their housing needs, while portfolio loans allow applicants to enjoy the low interest rate of housing provident fund loans. At the same time, for friends who can't meet the housing needs because of the low loan amount obtained from the provident fund, they can also obtain a larger mortgage amount through commercial loans.
2. The loan interest rate is moderate
Although applying for portfolio loan is not as cost-effective as provident fund loan, the loan interest rate of portfolio loan combines the loan interest rate of pure provident fund loan and pure housing loan, and the loan interest is calculated separately, so the interest rate of portfolio loan is also in the middle of commercial loan and provident fund loan, which relieves the repayment pressure of buyers to some extent.