After buying a house, what everyone is most looking forward to is handing over the house and getting the real estate certificate, because only in this way can you truly feel that you finally have your own house. However, in the process of getting the real estate certificate, there are two things: buying the house in full and getting the real estate certificate. When it comes to buying a house with a loan, many people who buy a house with a loan don’t know much about the process of obtaining a real estate certificate. Let’s take a look at the detailed introduction below.
What is the process for applying for a real estate certificate for buying a house with a loan?
The process for applying for a real estate certificate for buying a house with a loan: The developer handles the initial registration of property rights at the housing management bureau, and the borrower submits an application to the housing management department. The property will be surveyed and mapped. The borrower will pay property-related taxes and fees, collect the property certificate according to the time notified by the housing authority, and handle the mortgage registration of the property certificate. After repaying the loan, the mortgage registration will be cancelled. Note that in the process of applying for a real estate certificate, you need to submit a lot of relevant information, so you can summarize and organize all the information from the time you buy a house to facilitate a better search.
Submit application materials, which mainly include the following: stamped application form; house sales contract; confirmation letter from the buyer and seller who signed the pre-sale contract regarding the house number, measured area of ??the house and housing price settlement; surveying and mapping Two copies of the form, house registration form, and household floor plan; special receipts for special maintenance funds; proof of deed tax payment or reduction; identity certificate of the home buyer (photocopy to verify the original); if the house is complete, there is an agreement; the bank's Proof of early loan repayment.
You can also get a real estate certificate after applying for a loan to buy a house. However, there will be a column on your property certificate saying that the house has been mortgaged. After you have paid off the bank loan, go to the bank to get it. The bank issues a loan settlement certificate, and the bank returns its certificate to you. You take the loan settlement certificate and other certificates to the real estate bureau where the property belongs to cancel the mortgage, and at the same time print out a new real estate certificate, which is the above There is no fully owned property with a mortgage on this property.
The above is an introduction to the process of applying for a property certificate to buy a house with a loan. I hope it can help you. After applying for a loan to buy a house, remember to keep the property certificate. If it is accidentally damaged or lost, remember to apply for a replacement as soon as possible.