If you can't get the real estate license with a loan to buy a house, you should first look for a housing developer. If you don't reply or can't solve it, you can find the local construction authorities and government departments.
Second, can you get your own real estate license by buying a house with a loan?
You can do it yourself, but you must have the support of the developer in the formalities.
Property ownership certificate handling process:
(1) Within one month after the real estate transaction, both the buyer and the seller shall go to the real estate exchange to register the transfer of ownership with the documents such as the house purchase and sale contract. You need to bring your ID card, household registration book, commercial housing sales contract and other documents when you register.
(2) After receiving the transfer notice from the Exchange, the buyer and the seller should bring their ID cards, household registration books, seals, etc. After paying the handling fee, deed tax and stamp duty, you can go through the transfer formalities. The exchange will issue a real estate sales contract to the buyer. In principle, the real estate license must be handled jointly by the buyer and the seller. If the buyer and the seller or one of them cannot handle the formalities of ownership transfer and property right registration for any reason, they may issue a power of attorney to entrust an agent to handle it on their behalf.
(3) After completing the transfer formalities, the buyer shall apply for registration with the municipal or district (county) Housing and Land Administration Bureau where the house is located within three months with the house sales contract issued by the real estate exchange. The documents and materials needed to handle the application include: the house ownership certificate of the whole building owned by the seller, the commercial house sales contract, the copy of the stub of the commercial house sales invoice, the copy of the ID card, the registration form of the house ownership transfer, the wall boundary table and the area calculation table.
(4) After being audited by the real estate management department, the buyer can get the title certificate.
Third, how to borrow money to buy a house?
If you have a mortgage application for real estate license, you need to bring your ID card, household registration book, marriage certificate, purchase contract, relevant property certificate and other materials to the housing management department to submit the application, and the developer will handle the initial registration of property rights in the housing management bureau; The housing management department carries out surveying and mapping on the real estate, issues receipts, pays taxes according to the date specified in the receipts, and handles the mortgage registration of the real estate license after receiving the real estate license. Legal basis Article 30 of the Measures for the Administration of Urban Real Estate Mortgage Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go to the real estate management department where the real estate is located to register the real estate mortgage. "Urban Real Estate Management Law" Article 61 When real estate is transferred or changed, it shall 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. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws. Article 210 of the Civil Code stipulates that the registration of real estate shall be handled by the registration agency where the real estate is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.