Mortgage loan to buy a house, the loan has not been paid off, you can get a real estate license. When buying a house through a bank mortgage loan, the purchaser usually signs a mortgage contract and a loan contract with the bank. After the relevant certificates such as property rights are completed, the housing management department will register the house for the record, so that the house can set other rights, that is, mortgage. As long as you apply for the "Property Ownership Certificate" and register in the "Other Rights" column of the original property ownership certificate, you can obtain the original property ownership certificate. Banks or other departments mortgage the property right certificates of buyers, which can prevent buyers from buying and selling houses or mortgaging houses again, and damage the rights and interests of banks. During the period when the loan is not paid off, the house may not be transferred or bought or sold because of the mortgage registration record. Extended data:

The reasons why you can't get the real estate license after the mortgage loan is completed are:

1. The developer failed to apply for the real estate license for various reasons, and asked the owner to do it, asking the developer to apply for the real estate license as soon as possible and bear the corresponding liability for compensation.

2. The real estate license has been processed. After the real estate license is completed, the bank will keep it as collateral, and the real estate license will not be returned until the buyer pays off the mortgage. In this case, the buyer can only get the real estate license if the loan is paid off or the buyer repays in advance.

3. The real estate license has been processed. After the real estate license is handled, the bank will keep it as collateral, and some banks must handle the real estate license by the buyer himself. Of course, mortgage property rights registration is required during the application process.

Second, can the mortgaged house get the real estate license?

Legal Analysis: You can get the real estate license by mortgage, mortgage to buy a house. According to the Regulations on the Management of Real Estate Development and Operation and the Measures for the Management of Urban Commercial Housing Pre-sale, the buyer of the pre-sale contract shall apply for the real estate license within 90 days from the delivery date of the commercial housing; Existing buyers should apply for real estate license within 90 days from the date of signing the sales contract. You can apply for real estate license mortgage. Mortgage means that the buyer pays the down payment to the real estate agent, gets the purchase contract, borrows money from the bank, mortgages the house to the bank and pays back the bank money every month. The real estate agent will register the property right transfer for the buyers who apply for mortgage, and they can get the real estate license. Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered. Article 210 The registration of immovable property shall be handled by the registration institution where the immovable property is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations. Article 214 The establishment, alteration, transfer and extinction of the real right of immovable property, which should be registered according to law, shall take effect when it is recorded in the register of immovable property.

3. Can I get the real estate license for the house bought by mortgage loan?

Only the mortgaged house can get the real estate license. Because it is a mortgage, it is a house bought by a loan, and the bank has already made a mortgage (registered by the real estate bureau), and the bank has a certificate of other rights; Therefore, you can't use this house as a mortgage until the mortgage is paid off.

My house is still paying the mortgage. Can I get the real estate license?

The house is still in mortgage repayment, so you can apply for a real estate license.

Now, after property right card issues the property certificate, the bank will go to the real estate bureau for mortgage registration, affix the mortgage registration stamp in the column of the property certificate, and return the original property certificate to the lender. Some banks voluntarily return the title certificate, and some banks return it at the request of the lender.

The procedures for property buyers are as follows:

(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. Property buyers can know whether some projects can be developed and built by developers and whether there is bank support in advertisements or through the introduction of sales staff to ensure the smooth access to mortgage loans.

(2) After the buyers who apply for mortgage loans confirm their choice of support, they should learn about the bank's provisions on mortgage loan support for buyers from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage.

(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

Refer to the above content: Baidu Encyclopedia-Mortgage Loan