Buying a house is a very important thing in people’s lives, and many people are aware of the various problems that arise in the purchase and sale of new houses. It is a very common phenomenon for new houses to not have a real estate certificate. In fact, many people have not bought a new house. How long does it take before you want to sell it? For many people, transfer has become a big problem. How to transfer the ownership of a new house without a real estate certificate? Can I get a loan for a new house without a real estate certificate?
Buying a house is a very important thing in people’s lives, and many people are aware of the various problems that arise in the purchase and sale of new houses. It is very common for new houses to not have a real estate certificate. In fact, many people have not bought a new house. How long does it take before you want to sell it? For many people, transfer has become a big problem, especially when many people buy a new house and don’t know how to transfer it. In order to let people who buy new houses understand the whole process, Next, let’s analyze in detail how to transfer the ownership of a new house without a real estate certificate? Can I get a loan for a new house without a real estate certificate?
How to transfer the ownership of a new house without a real estate certificate
It is impossible to transfer the ownership of a new house without a real estate certificate. The reason is: when applying for transfer to the real estate transaction management department, you must provide the real estate certificate, otherwise the application will not be approved, and the transfer request will also be rejected due to the lack of the real estate certificate.
It is impossible to transfer a new house without a real estate certificate, and you cannot go through the procedures at the Housing Authority. If you want to buy it, there will be risks. It should be noted that if you only go through notarization without transferring the title, there will be huge risks for the home buyer. Because in our country's real estate laws and regulations, once a dispute arises between a buyer and a seller, the real estate certificate is evidence of house ownership, and the house purchase contract is secondary evidence. Once the house seller mortgages or resells the house, the interests of the house buyer will not be protected.
Can I get a loan for a new house without a real estate certificate?
1. Today, with the rapid development of credit business, you can get a loan without a real estate certificate. In addition to real estate mortgage loans, housing remortgage loans and other types of loans related to the ownership of real estate certificates. If the borrower only temporarily does not have a real estate certificate, such as a friend who is still in the mortgage period and has not been able to obtain a real estate certificate, he or she can apply for a loan by providing the bank with a pre-sale contract and mortgage loan repayment materials.
2. If the borrower really does not have a real estate certificate in hand, but can provide pledges such as cars, bills of exchange, bonds, etc., he can also apply for a loan from the bank. And if the borrower neither has a real estate certificate nor can provide the above-mentioned pledge, if a guarantor with real estate can be found, the borrower can also obtain a bank loan through a third-party mortgage loan. In addition, for those who do not have a real estate certificate and do not meet the above conditions, if they have a stable job and income, they can also obtain funds by applying for a credit loan or a loan shark.
There is no way to apply for mortgage registration for a house without a real estate certificate, and banks need your real estate certificate as collateral to approve loans. Without mortgage registration, bank loans are not guaranteed, so banks generally will not lend. Therefore, you cannot get a loan from a bank, but there are some small loan companies where you can apply for a loan.
3. Home mortgage loans have certain benefits, including: using real estate as collateral for home loans, you can obtain funds of considerable value without changing the ownership of the house, and you can make money with money. Money, in fact, transfers the risk of house depreciation to the bank, while maximizing the use value of the house. A home mortgage loan is to use the property in your own or someone else's name as collateral to apply for a sum of funds from a commercial bank. Its uses can include buying a house, renovating a car, studying abroad, etc.
4. After obtaining the credit funds, the lender will repay the principal and interest to the bank within the time limit according to the agreement with the bank. Therefore, owners who have not yet obtained the real estate certificate can wait until the real estate certificate is obtained before applying.
Everyone knows the answers to how to transfer the ownership of a new house without a real estate certificate and whether it is possible to get a loan for a new house without a real estate certificate. After the above specific analysis, people have a comprehensive understanding of the transaction and transfer of new houses. It is a very common phenomenon that new houses do not have real estate certificates. In this case, if people want to buy or sell new houses, they must master the specific operating procedures and methods, so as to help people trade real estate easily.