As housing prices continue to rise, many friends will choose to take out a loan when buying a house. Currently, many places in our country have implemented a house purchase and settlement policy, and in the process, a house ownership certificate must be used to buy a house with a loan. Friends all know that the house ownership certificate is mortgaged in the bank when applying for a mortgage, so how to handle settlement?

Loans to buy a house and settle in are a matter of great concern to many urban groups who are in urgent need. At present, it is strictly Under the household registration system, many cities have implemented a house purchase and settlement policy, and this is also one of the most important ways to obtain urban household registration. When applying for settlement, you will definitely use the house property certificate, and friends who buy a house with a loan have all the relevant property certificates mortgaged. In the bank, the owner only has the house purchase contract or invoice. In fact, the contract and invoice are only real estate transaction documents, but not proof of real estate ownership. The key is to provide a real estate certificate when purchasing a house and settling in. In fact, many people don't quite understand that when applying for a mortgage on a house, the bank actually gets the "House Other Title Certificate", not the real estate certificate or real estate certificate.

Other rights in real estate refer to the rights of other groups or individuals other than the property owner and the right holder to the property. They usually refer to mortgage rights, and other rights certificates are owned by other rights. people hold. Generally, when purchasing a house or choosing a mortgage loan, other rights will be recorded in the house ownership certificate, indicating other obligees and rights.

So in fact, owners who take out loans to purchase houses can get the original property certificate or real estate certificate, while the bank holds other certificates. It’s just that the mortgage column on the real estate certificate or real estate certificate says: mortgaged. After the bank mortgage is repaid, the bank will issue corresponding certificates, and at the same time, you will have to go to the local housing authority to go through the procedures for canceling the mortgage of other items. Only after these procedures are completed can the complete property rights of the house be owned by the owner.

After obtaining the property ownership certificate of the house, go to the neighborhood committee where the house is located to issue a certificate of permission to move in, and then take this certificate to the police station where the house is located to issue a certificate of intention to move in. With these two certificates, go to the neighborhood committee where your original household registration is located to apply for a certificate of approval to move out, and then go to the police station where your household registration is located to issue a certificate of approval to move out. After all the supporting documents are prepared, go to the neighborhood committee where the house is located to compile a household number, and then go to the police station to go through the move-in procedures.

Buying a house and settling down is a measure taken by some places to stimulate the real estate market. Currently, as the number of urban inflows continues to increase, many places have added a lot of additional terms to buying a house, such as having stable conditions in the local area. Work, pay social security for a certain number of years, etc. Before you apply for home purchase and settlement, you need to understand these policies, and then proceed with the application after meeting the requirements.