First of all, yes, but I must point out the differences:

Mortgage loan-the government realizes home ownership, which is the ruling philosophy of any government.

So concessions: low interest rate, long loan period and high percentage. Specific: the benchmark interest rate (at present, the first set is 15% off), which is generally not less than 15 years, most of which is 20 years. Generally, the first set is 30% off. Special provisions: None. Process: Before the transfer, that is, the title certificate is the name of the seller.

Certified mortgage loan-consumer loan

So there is no discount (your room is full of rich people! ): High interest rate, short loan term and low percentage. Specifically, the floating interest rate is 1. 1 times (the current benchmark interest rate), and the longest is 10 year, not exceeding 50%. Special provisions: the loan money has a special direction (for example, you can't pay the house, you can't withdraw the money, you can only spend it in the card, and you can only use the money when signing the loan). Process: After the transfer, the title certificate is the name of the buyer.

Second, the bank reserve ratio has reached an all-time high of 2 1.5%. I'm afraid the bank has no money to make low-cost consumer loans with certificates, hehe.

Third, let me continue to answer. Now that the real estate license is in your name, it is not applicable to mortgage loans. You can only apply for mortgage loans with certificates, but the housing provident fund center does not handle mortgage loan certificates, understand? You can only find commercial banks.

Second, when buying a house, can you take the owner's real estate license first, and then take the real estate license loan to buy a house? ...

As long as the information of both parties is complete, you can transfer the ownership. There is no legal relationship between you and the owner, because the house is yours in the end, mainly because the debt relationship between you and the owner can be solved. Does the owner agree to wait until you get the real estate license before paying back the mortgage? Generally, it takes about 20 working days from transfer to obtaining the real estate license, and the issuing date varies from place to place. The general owner needs to get the house payment on the day of transfer, unless there is an agreement with the owner in advance. It is better to make a mortgage loan through the bank before the transfer, which is safer. Bank loans are also evaluated by evaluation companies. The bank can only give you a loan according to the evaluation value, and the bank takes 70% of the evaluation value as the actual loan amount. If you take the real estate license as a mortgage loan, you may not be able to get the amount you actually need. The mortgage interest rate is higher than the mortgage interest rate 1%. The mortgage loan for buying a house is aimed at real estate, but the mortgage loan is not necessarily real estate, and the mortgage loan procedure is not as simple as the mortgage procedure. I suggest you make a mortgage loan before transferring the ownership.

Third, the house is transferred first and then the mortgage loan is returned to the buyer?

When buying and selling second-hand houses with mortgages, you must first transfer the houses to the other party, and then you can mortgage the loans and pay the corresponding down payment and mortgage payment. But in fact, we think this practice is still very unreasonable for sellers. The seller is anxious to buy a house and needs to pay. However, this kind of mortgage loan will take a long time for buyers!

I entrusted the intermediary to sell the house, and the buyer paid a quarter down payment. The intermediary said that the real estate license should be placed in the intermediary company and the balance of 10,000 yuan should be paid. Is this safe?

Generally speaking, the procedure is as follows: you entrust an intermediary company to redeem the building through the intermediary company, take out the real estate license from the bank, and complete the transfer. Have you ever signed a power of attorney with an intermediary company and failed to transfer the ownership by yourself? Leave it to the intermediary company. The intermediary company here refers to the financial company. If it is not a mortgaged house, the real estate license is in hand. This should also conform to the terms you signed, and it should be stipulated. Finally, you should pay the key after clearing the balance.