If a customer goes to borrow money to buy a house, he is told that the house can not be mortgaged until it is capped, probably because the local government has made it mandatory that the structure must be qualified after it is capped. For example, Shanxi stipulates that you must wait until the house is capped before you can apply for a mortgage to buy this house. However, it should be noted that the regulations of different provinces will be different. In some areas, as long as the real estate developer has obtained the pre-sale permit and handled the land use right certificate, construction land planning permit, construction project planning permit and building construction permit according to law, the five certificates are complete and qualified to sell the house, so it is not necessary to wait until the house is capped.

In this regard, customers just have to wait patiently. And if customers don't want to wait too long, they can also choose to change an existing house, and then naturally they can apply for a mortgage and buy it immediately. And loans to buy faster, generally from the date of delivery of housing within 90 days can get the housing property certificate.

Is it reasonable to require buyers to apply for mortgage loans for houses that are not capped?

In fact, whether this problem is reasonable depends mainly on whether the developer has obtained the "Pre-sale Permit for Commercial Housing", because the provisions for handling the "Pre-sale Permit for Commercial Housing" in different regions are different. The multi-storey building here must be capped, and the elevator building must reach 2/3 of the total number of floors before it can be handled. So I think it is reasonable. Developers can let property buyers apply for loans, indicating that developers have filed this batch of housing procedures with the bank. Banks can handle the procedures of developers, indicating that the procedures of developers are complete, and the minimum "pre-sale permit for commercial housing" is available.

1. After the "Pre-sale Permit for Commercial Housing" can be processed, it means that the houses approved by the "Pre-sale Permit for Commercial Housing" can be sold. But the reality is that developers generally develop communities by stages, and it is possible that the first phase of the house has a "pre-sale permit for commercial housing". The sales department only hangs the first phase of the "Pre-sale Permit for Commercial Housing" and is also selling the second phase of the house. Because many property buyers don't understand the meaning of the "Pre-sale Permit for Commercial Housing", they think that developers can sell all their houses by hanging the "Pre-sale Permit for Commercial Housing". This understanding is wrong. The pre-sale permit of commercial housing has the building number of the batch of houses sold by registered developers, and unregistered houses will not be sold, so when buying a house, you should see whether the building number you ordered has been displayed on the pre-sale permit of commercial housing.

2. After the developer handles the pre-sale permit of commercial housing, the house can handle the formal commercial housing sales contract, and there is a clear payment time on the contract. After the contract is signed, the developer will let the buyers who need to apply for mortgage loans go through the mortgage formalities as soon as possible to shorten the payment time. As for whether the house is capped or delivered, the premise is that after obtaining the "Pre-sale Permit for Commercial Housing", it has little to do with the time for mortgage procedures.

Thirdly, I think it is reasonable to apply for mortgage loan in a faster time. But you can also think about it the other way around. The sooner you apply for a bank mortgage, the sooner you can repay the bank loan. For example, if you want to borrow 15 years, you should borrow it one year earlier and pay it back one year earlier. Therefore, it is a matter of time before buyers who need mortgages apply for loans. Wouldn't it be better to return them earlier?