1. When can mortgage to buy a house get the property ownership certificate?
When can mortgage to buy a house get the real estate license? In fact, the time when the owner gets the real estate license is directly related to the developer. The following is a specific explanation.
1. According to the Measures for the Administration of Commercial Housing Sales issued by the Ministry of Construction, mortgage to buy a house generally requires developers to submit the information provided by developers for housing ownership registration to the local real estate administration within 60 days from the delivery date of commercial housing. Otherwise, if the developer defaults, the time for the owner to get the real estate license will be delayed.
2. According to the Regulations on the Management of Real Estate Development and Operation and the Measures for the Management of Urban Commercial Housing Pre-sale, the buyer of the pre-sale contract shall apply for the real estate license within 90 days from the delivery date of the commercial housing; Existing buyers should apply for real estate license within 90 days from the date of signing the sales contract.
3. The acquisition time of mortgage to buy a house real estate license depends on the contract signed with the developer. The handling of the real estate license is subject to the contract agreement first, and it is necessary to check how it is agreed in the contract. If the processing time stipulated in the contract is exceeded, the developer shall bear the relevant liability for breach of contract.
2. Can mortgage to buy a house prepay?
Can mortgage to buy a house prepay? Mortgaged houses can be repaid in advance. But when I bought a house, I already signed a repayment contract with the bank. If the repayment is made in advance, it will be regarded as a breach of contract and a certain penalty will be paid. Among them, different banks have different requirements for liquidated damages. The following is a detailed introduction.
1, Industrial and Commercial Bank of China
If the prepayment is less than one year, 5% of the prepayment amount will be charged; If the repayment is made in advance after one year, no penalty will be charged.
2. Banks
If the prepayment is less than one year, interest shall be charged for at least three months relative to the actual repayment amount; If repayment is made in advance after one year, at least 1 month interest will be charged relative to the actual repayment amount.
3. Agricultural Bank of China
If the prepayment is less than one year, the penalty will be charged according to the calculation formula of principal × monthly interest rate; If the repayment is made in advance after one year, no penalty will be charged.
4. Bank of China
If the prepayment is less than one year, a penalty of no more than 6 months' interest will be charged; If the repayment is made in advance after one year, no penalty will be charged.
5. China Construction Bank
If the prepayment is less than one year, 3% of the prepayment amount will be charged; 2% for prepayment after one to two years; Repay in advance after two to three years, and charge 1%.
6. China Everbright Bank
If the prepayment is less than one year, 3% to 6% interest will be charged as liquidated damages; If the repayment is made in advance after one year, no penalty will be charged.
3. What should mortgage to buy a house pay attention to?
1. If the borrower withdraws the reserve balance of the provident fund to pay the house payment before the loan, and the amount of the provident fund loan is zero at this time, the balance of the provident fund in the provident fund account is zero, that is, no provident fund loan is applied.
2. Partial prepayment shall be made one year after repayment. According to the relevant provisions of provident fund loans, the repayment amount should exceed six months.
3. If the repayment ability declines within the loan period and it is difficult to repay, don't insist on it yourself. ICBC's customers can apply to ICBC for extending the loan term without defaulting on the loan principal and interest. After investigation by the bank, ICBC will accept the application for extending the loan term.
4. If the mortgaged house is rented during the loan period, the lessee must be informed of the mortgage facts in writing. Don't forget to inform the rental obligation after the loan.
After the loan is paid off, the mortgage is revoked. If the principal and interest of the loan are fully paid off, you can cancel the mortgage with the bank loan settlement certificate of the collateral and other real estate rights certificates to the real estate transaction core of the district and county where the real estate is located.