Large-scale property houses refer to buyers who have both "House Ownership Certificate" and "Land Use Certificate". Second-hand housing transactions can be carried out legally, and the houses bought are on legal construction land.
The house that the bank can mortgage is not necessarily a big property right house, depending on whether the five certificates of the community are complete, mainly depending on the state-owned land use certificate and the pre-sale (sales) license of commercial housing.
First, the requirements of the state for developers.
According to the "Measures for the Management of Commercial Housing Sales" issued by the Ministry of Construction, real estate development enterprises are required to submit the information needed for housing ownership registration to the local real estate authorities within 60 days from the date of delivery of commercial housing. Otherwise, if the developer defaults, the time for the owner to get the real estate license will be delayed. According to the Regulations on the Management of Urban 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.
Second, how to apply for real estate license
(1) Generally speaking, in the purchase contract signed between the buyer and the developer, it will be agreed that the real estate license will be handled by the developer.
(2) Under special circumstances, it is necessary for the purchaser to handle the real estate license himself.
First of all, property buyers need to prepare relevant materials for real estate license, such as purchase contract, purchase price, identity documents, household registration book, and house ownership certificate. It should be noted that the house ownership certificate is an important proof document, which can be obtained by the buyers from the developers, and its function is equivalent to the real estate license. After preparing the information, the buyers can apply for the real estate license at the premises bureau of the jurisdiction.
Secondly, because the house involves loans, an additional procedure is needed-redeeming other warrants. As evidence that the buyer mortgaged the house to the bank, other warrants shall be kept by the bank. The renewal of other warrants needs to be accompanied by the staff of the reservation bank, because other warrants cannot be handled by the house owner.
Finally, after all the above matters are done well, buyers can get the real estate license.
Third, the custody of real estate license.
As for who keeps the real estate license, there are different regulations in different places: some are kept by banks; Some indicate the mortgage on the real estate license, which is kept by the borrower himself; There is also the original real estate license on the exchange, and the borrower only takes a copy.