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Can I get a loan if I don't have a photo of the house?
You can't borrow money if you don't have a real estate license. When you apply for a loan, you need to provide the real estate certificate to the bank to prove your ownership of the house. When you apply for the transfer of the real estate license, you need to go to the real estate management department to apply for the transfer.

If the applicant only has no real estate license temporarily, for example, the real estate license is mortgaged to the bank when handling the housing mortgage loan, in this case, you can apply for a loan from the bank by providing mortgage contract, house purchase contract, down payment invoice and other related materials; However, if the applicant buys a resettlement house, a relocated house or a self-built house, it is more difficult to apply for a mortgage loan from the bank. Therefore, before applying for a loan, you can know whether you can get a loan from the bank by clarifying your property attributes.

When going to the real estate trading center to handle the formalities of ownership transfer, real estate transfer or change, you should apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.

The real estate license can be revoked after the transfer, but certain conditions need to be met.

1. If the property transfer procedure is illegal (including but not limited to concealment, deception, non-parties and legal disputes), it can be revoked;

2. If the real estate is transferred according to formal procedures, it is irrevocable and can only be performed according to the sales agreement. When the other party fails to perform, it is also a breach of contract. You can sue and transfer the property back again, and all the losses will be paid by the other party.

3. If both parties cancel the transaction through negotiation, they must go through the transfer formalities again, and the expenses incurred can be settled through negotiation. However, the buyer will generally not bear the cost, because the buyer is not at fault.

legal ground

Provisional regulations on the registration of real estate

Fifteenth parties or their agents shall apply to the real estate registration agency for real estate registration. The real estate registration agency records the application for registration in front of the real estate register, and the applicant may withdraw the application for registration.