Yes, it usually takes 2 to 3 months from the beginning of contact to apply for a loan to finally getting the real estate certificate. However, the real estate certificate obtained by the owner has a stamp on it, indicating that the loan is mortgaged for the house. It is no longer possible to make mortgages and trades, and the official private property certificate will not be replaced until the owner has paid the house payment.

Under what circumstances cannot a real estate certificate be obtained?

1. Building a house in violation of regulations.

Before buying a house, buyers should first investigate clearly. Developers must obtain five certificates and one certificate if they want to sell commercial housing in the real estate market. In order to maximize profits, some developers will arbitrarily change the use of all parts of the community and build houses in violation of regulations. If a house buyer buys such a house, he will not be able to apply for a real estate certificate.

2. The developer mortgages the house to others.

Even if it is a developer with all five certificates, it mortgages the house to others and sells the house at the same time. In this case, the home buyer will not be able to apply for the real estate certificate. If the developer fails to pay its due debts in time and the mortgagee demands to realize the mortgage rights, the home buyer will not even have the right to live, not to mention applying for a real estate certificate.

3. Houses with small property rights.

Everyone knows that real estate certificates cannot be obtained for houses with small property rights, but some home buyers will choose houses with small property rights in order to save money. However, houses with small property rights cannot obtain real estate certificates issued by the state. They can only obtain real estate certificates issued by townships. In the event of demolition and other situations, home buyers will not be able to obtain any compensation.

4. The property inspection failed.

The developer also needs to issue relevant certificates when the house is inspected and accepted. According to the relevant regulations of our country, the construction project can only be handed over to the home buyer after it passes the inspection and acceptance. If the property fails to pass the inspection and acceptance by the relevant departments due to quality problems, you will not be able to apply for a real estate certificate even if you hand over the house.

Does a house purchase loan require a mortgage?

1. There is no need to provide collateral for a bank loan application. As long as the borrower's personal conditions meet the requirements for applying for a mortgage, they can apply.

2. Some banks do require two commercial housing certificates from the mortgage bank. Your situation can be discussed directly with the bank. After receiving both certificates, you can pass the two certificates of the house. If you want to go to a city, bring relevant information. Go to the household registration management department where the property is located.

3. But not all banks require two certificates to be mortgaged at the bank. For properties with loans, there are two scenarios when dealing with these two certificates. First, the loan was repaid before both certificates were processed. Secondly, after processing both certificates, the loan has not yet been paid off.

Real estate license mortgage refers to the way a borrower applies for a loan from a bank or other financial institution using its or a third-party real estate certificate as collateral. Due to the high creditworthiness of the mortgage, this type of loan can be credited to the bank quickly. Mortgage interest rates for real estate licenses are typically much lower and the chances of getting a loan are higher.