Married mortgage loans cannot be handled by one person. Marriage loan to buy a house is a family unit, and both husband and wife must be present to apply. If one party is unable to be present for some reason, it may entrust a spouse or others to handle business on its behalf. But in any case, singles can't apply for a loan to buy a house, and both husband and wife must sign it.

Moreover, there are many advantages for couples to buy a house with loans. Because there are two borrowers, the loan amount will increase.

When can I get the real estate license when I buy a house with a mortgage loan?

In fact, it takes the same time to buy a house with a loan and a one-time payment for the title certificate, but another "other title certificate" is placed in the bank. Many mortgage borrowers must be confused. Since the house can get the real estate license within 90 days after the developer turns over the key, why do many property buyers not get the real estate license for more than 90 days or even longer? The specific reasons are as follows:

1. For various reasons, the developer has not applied for the real estate license. This situation requires owners to protect their rights, and requires developers to apply for real estate licenses as soon as possible and bear the corresponding liability for compensation.

2. The real estate license has been done. As the buyer of the mortgage loan, the bank will keep it as collateral after the real estate license is handled, and the real estate license will not be returned until the buyer pays off the mortgage.

3. In this case, the buyer can only get the real estate license after paying off the loan. Of course, property buyers can also repay in advance and then get the real estate license in advance, which generally takes 15-20 working days to get the real estate license.

4. The real estate license has been processed. Banks, as buyers of mortgage loans, will remain as collateral after the real estate license is completed, and some banks must handle the real estate license by the buyer himself. Of course, mortgage property rights registration is required during the application process.

5. At present, some banks will not keep the original real estate license as collateral. The bank will take the initiative to register the overstocked property with the Housing Authority, and then send the original property to the buyers. However, the "Setting Other Rights" column on the inner page of the real estate license will be stamped with the mortgage registration stamp. I own the property right certificate, but his right certificate is in the bank. If you pay off the loan, you can get his certificate back and cancel the mortgage through the transaction.