The time to obtain the property rights certificate for buying a house with a loan is the same as the time to obtain the property rights certificate for a one-time payment. It is just that you need to apply for an additional property rights certificate and put it in the bank.

According to relevant regulations, the time for a home buyer to obtain a real estate certificate after purchasing a house is within 60 days from the date of delivery of the commercial house. When applying for a real estate certificate, the developer needs to provide the information on house ownership registration and report it. Send it to the real estate authority where the house is located. Otherwise, if the developer defaults, the time for the owner to obtain the property rights certificate will be delayed. For buyers with a pre-sale contract, the time to apply for the real estate certificate should be within 90 days from the date of delivery of the commercial house; for existing house buyers, the time to apply for the real estate certificate should be within 90 days from the date of signing the sales contract.

But for buyers who want to buy a house with a loan, the time to apply for the real estate certificate depends on the contract signed between you and the developer. The processing of the real estate certificate is first subject to the contract, and you need to check the contract for this. As agreed, if the processing time specified in the contract is exceeded, the developer should bear the relevant liability for breach of contract.

Which houses do not have real estate certificates? 1. Houses with restricted transactions

Many buyers may not know much about houses with restricted transactions, such as mortgaged houses. And affordable housing, affordable housing is housing with a social security nature, and its purpose is to solve people's housing problems without supporting transactions. If buyers of affordable housing want to go on the market, they must wait five years after purchasing the affordable housing, otherwise they will not be able to apply for a real estate certificate. Therefore, when buying a second-hand house, if the house is an affordable house, you need to check whether it is within the transaction restriction period.

2. Houses with small property rights

I believe everyone knows about houses with small property rights. Houses built on rural collective land are houses with small property rights. The land transfer fee for small property rights houses has not been paid. There are no formal real estate rights certificates issued by the state, but only certificates issued by the township government or village government, also known as "township property rights houses". According to relevant national requirements, "small property rights housing" cannot be confirmed and issued a certificate, and is not protected by law.

3. The house fails to pass the inspection

Generally speaking, developers need to go through relevant departments to conduct inspection after the building is completed. If the building fails to pass the inspection, the developer will It needs to be rectified, but if it is still unqualified after rectification, the house cannot be handed over to the home buyer, let alone the house ownership certificate.

4. Developers build houses illegally

Although illegal construction is not common in the real estate market, this does not mean that developers do not build houses illegally. If developers build houses illegally, Changing the land use without authorization during the construction of a house will directly result in you not being able to obtain the real estate certificate after the house is handed over. Therefore, before deciding to buy a house, it is very important to review the developer's qualifications. The insurance method is to choose a well-known real estate and a powerful developer, and make an in-depth investigation before purchasing. This will be more reliable.