The mortgage loan process of house property certificate is as follows: 1. Complete materials, including ID card, household registration book, marriage certificate, house title certificate, house sales contract or bank statement of private account for several months.
2. Apply for a loan from the bank and fill in the loan application report.
3. The bank evaluates your raw materials and will review your information through your mobile phone.
4. If the bank wants to approve the loan, you and the bank people go to the real estate bureau to make a notice registration.
5. The bank takes the house ownership certificate and loans.
The time period of application processing is related to the work efficiency of local housing management bureau and land bureau. If your land resources are allocated, it is very likely that you need to pledge the land resources to the Land and Resources Bureau first, and then pledge the real estate industry to the Housing Authority. The above-mentioned enterprises generally guarantee to pay wages after seven jobs, so it is estimated that you will be able to get the loan in a short period of more than half a month. If your land use right certificate is transfer, the time can be shorter. If you already have a relationship with the real estate management bureau, you can get the real estate title certificate on the same day and make a payment in three days.
How much does it cost to apply for the real estate license of the relocated house? 1, surveying fee 1.36 yuan /m2, the buyer.
2. The guarantee fee is 0.5% (the assessed amount is allowed to float), and the buyer.
3. The assessed amount of real estate deed tax is 65,438+0% for the first 90 square meters, 65,438+0.5% for the 90 square meters to 65,438+040 square meters, and the buyer will pay the part exceeding 65,438+040 square meters or 3% for the first time.
4. The enterprise income tax shall be borne by the seller, with the tax rate of 65438+ 0% of the total amount, and the only residence shall be exempted after five years.
5. Transaction fee 6/ m2, mutual.
6.80 yuan is the cost, 5 yuan is the contract stamp duty and the buyer.
7.5.6% of the value-added tax shall be paid by the seller, and ordinary houses may be exempted for five years.
What is a relocation house? Relocated houses are houses that real estate developers repay to relocated households when collecting collective land; Commercial housing is a house sold by real estate developers themselves. Almost every new building has relocated houses, and the market price of relocated houses is generally lower than that of commercial houses.
Relocation houses, like commercial houses, have real estate licenses, and relocation houses with real estate licenses can be listed and traded. If there is no real estate license, the ownership of the relocated households refers to the demolition compensation agreement and cannot be listed and traded.
Can I get a loan for the relocated house? The relocated house itself is the house returned by the developer to the relocated households when the collective land is expropriated. Almost every new building has relocated houses, and the market price of relocated houses is generally lower than that of commercial houses. Relocation houses, like commercial houses, have real estate licenses, and relocation houses with real estate licenses can be listed and traded. Only relocated houses with purchase contracts but no real estate license can't be listed and traded.
When the bank handles the housing mortgage loan of the relocated house, it actually mortgages the property that can be listed and traded to the bank, so it is generally required that the pledge of my housing mortgage loan is a general commercial house. Policy housing and purchased public houses are restricted by policies such as re-listing without paying taxes, and general banks refuse to accept pledges for this purpose.