Legal subjectivity: if the loan is not repaid, you can apply for a real estate license, which is a necessary process of real estate transaction and has no direct relationship with the loan. To apply for real estate license, the developer needs to apply for initial registration, get it from the management department and fill in the application form for housing ownership registration.
Legal Objectivity: Article 4 of the Provisional Regulations on the Registration of Real Estate The State practices a unified registration system for real estate. Real estate registration follows the principles of strict management, stability and continuity, and convenience for the masses. The real estate rights enjoyed by real estate owners according to law shall not be affected by changes in registration institutions and procedures. Article 2 The term "real estate registration" as mentioned in these Regulations refers to the act that the real estate registration agency records the ownership of real estate rights and other legal matters in the real estate register according to law. The term "immovable property" as mentioned in these Regulations refers to land, sea areas, houses, trees and other fixed objects.
Second, how to repay in advance without obtaining the real estate title certificate?
First of all, make an appointment with the loan bank for prepayment. Then a week later, the bank informed to handle the prepayment. If it is handled too well, you can go to the Housing Authority to apply for a real estate license. But it must be handled in person, ID card and bank settlement certificate. This is a bit troublesome and takes time. If you want to go through the procedure, you have to go through the procedure layer by layer to get the real estate license.
3. If I haven't repaid my house loan, can I refinance it?
Calculate how much it will cost to decorate your home.
When buying a house, few people choose to pay the house price in one lump sum, most of them are in mortgage to buy a house. If they don't pay back the money first, can they refinance? Many people still have doubts about this. Let's have a look!
If the house loan has not been repaid, you can borrow again, but the loan amount is not high. If the house mortgage is selected, the remaining mortgage amount will be deducted from the loan amount because the mortgage is not settled. Moreover, the mortgage interest rate is different. Ordinary housing does not exceed 50%, so the natural amount is much less.
It is understood that most banks are still not allowed to make mortgage loans before the housing loans are paid off. You can't apply for a loan again until all the loans have been paid off. This practice is bound to make many buyers who are short of money and eager to use money have a headache. After all, it is still very limited.
Therefore, for people with financial difficulties, they may wish to seek help from richer relatives and friends, make up the remaining house payment, repay the bank loan and apply for release. Then the approval rate is higher and you can get a higher quota. If you help, you might as well find a guarantee company, repay the loan in advance, let the house go and apply for a loan. But this method is not suitable for small loans, only for large loans, and it is implemented.
If the house under repayment has appreciated, you may wish to settle the mortgage first and then apply for a loan. This method can often increase a part of the original loan amount, but the standards issued by various banks are different and need to be combined with reality. But all banks must meet these conditions. First of all, they have a real estate license. Second, stable income and good credit record. In addition, if the mortgage amount accounts for a large proportion of the house payment, it is difficult to pass the bank loan approval.
I hope the above answers are helpful to you.
Enter the area and get the decoration quotation for free.