Just bought a new house, the owner needs to pay deed tax, stamp duty and public maintenance fund to the state. After paying these three sums of money, the local real estate authorities will record the real estate and then issue the real estate license.
Before the real estate license comes down, it depends on whether the original owner has paid the above three sums of money to the state. If not, you can also ask the developer to change the purchase contract to your name, and then you pay these three sums of money, and the real estate license will directly become your name.
Bank loans to the first homeowner do not necessarily require the homeowner to have a real estate license, as long as the developer has a large house property certificate for the whole community.
Extended data:
Mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and the purchased real estate enterprises provide regular guarantees.
The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.
"Mortgage" refers to both "mortgage loan" and "commercial housing mortgage loan". It means that the mortgagor (borrower) mortgages his legally owned property to the mortgagee (lender) as collateral, ensures that the mortgagee is the first beneficiary, and performs all obligations under the commercial housing mortgage (mortgage) loan contract in order to obtain a loan of a certain amount and term from the mortgagee.
References:
Encyclopedia-mortgage loan