You can get the real estate license within 15-30 working days after the loan is completed; If the house has not been built, the time for handling the real estate license is within 90 days from the date of delivery of the house; If the house has been built, the time for handling the real estate license is within 90 days from the date of conclusion of the contract.

legal ground

Article 20 of the Provisional Regulations on the Registration of Real Estate

The real estate registration institution shall complete the real estate registration formalities within 30 working days from the date of accepting the application for registration, unless otherwise provided by law.

Article 61 of the Urban Real Estate Management Law

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.

When can I get the real estate license when I buy a house with a loan?

1. When can I get the house ownership certificate for the loan? 1. After the real estate license is issued, most banks will take the real estate license to the real estate bureau for mortgage registration, and return the original real estate license to the lender after stamping the mortgage registration stamp in the column of setting other rights on the inner page of the real estate license. 2. However, some banks return the property right certificate voluntarily, and some banks return it at the request of the lender. Cancel the mortgage registration after the loan is paid off. Some banks still keep the original title certificate until the loan is repaid. It depends on how the contract is listed, and it comes according to the contract. 3. Time to obtain the real estate license. Generally speaking, if there is no agreement in the contract, if you buy an auction house, you should apply within three months after the delivery of the house; If you buy an existing house or a second-hand house, you should apply for a certificate within three months after signing the contract. Second, what is the process of lending to buy a house and run a real estate license? 1. The initial registration of the developer is a necessary prerequisite for the owner to handle the property certificate process. According to the provisions of relevant laws, real estate development enterprises shall, within 60 days from the date of delivery of commercial housing, submit the materials for handling the real estate license to the property right registration department. Usually, it takes about 20 to 60 days for the competent authorities to process the initial registration. Therefore, after two or three months of repossession, all property buyers can ask the developer about the initial registration, or they can go to the local real estate transaction information website. 2. The application mainly refers to the application for real estate registration. This form can be downloaded from the website of the local real estate registration center or collected directly from the registration center. Generally speaking, after the application form is filled out, the developer needs to sign and seal it, and some developers will have a ready-made stamp form in their hands, so just take it from the developer and fill it out. So you can ask the developer if there is a form first. 3. Because the surveying and mapping table is an important basis for the registration department to determine the area marked on the real estate license, it is also one of the necessary materials for everyone to register the real estate. You can go to the housing area metering station designated by the developer to apply for a surveying and mapping form, or you can go directly to the developer with your ID card. If there is no surveying and mapping data of older buildings, you can apply to the registration department for surveying and mapping the housing area. 4. It takes a lot of materials to register property rights, so when you ask the relevant departments in front, you must be clear about what necessary application documents you need to receive and complete them at one time. These documents include the purchase contract, the house settlement form and the copy of the big house property certificate. 5. The public maintenance fund is generally collected by the community office in the area where the building is located. In some cities, public maintenance funds have been collected by banks. Regarding the payment method, you can ask the staff of the developer. However, everyone should pay attention to the fact that the bills for paying maintenance fees and deed taxes must be kept well, which is also one of the necessary parts for handling property certificates. 6. After applying for registration in the real estate registration center, the registration department will give you a notice to receive the real estate license according to the time notified above. In China, when purchasing related properties, you need to purchase them according to the relevant loan regulations. Buyers of this kind of loan, such as buying faster houses, need to open a business to handle such documents after buying a house. If you buy a second-hand house, you need to wait until the house sales contract is signed, and you can wait for such documents three months later.

When can I get the real estate license when I buy a house with a loan?

Many people will choose to buy a house with a loan, but I don't know how long it will take to get a real estate license with a loan. The following is a carefully recommended time for you to buy a house with a loan and get a real estate license. I hope it will help you.

How long does it take to buy a house with a loan to get a real estate license?

A first-hand house/apartment

A legal and complete real estate development project must have six certificates: state-owned land use certificate, construction land planning permit, construction project planning permit, housing construction permit, commercial housing pre-sale permit and housing ownership certificate. If the materials are not fully prepared and the drawings are stamped incorrectly when applying for construction, it will easily lead to the failure to obtain the house certificate on time. For property buyers, when buying faster, the first thing to look at is whether the property has the first five certificates.

If you buy a first-hand house under the condition that the developer's six certificates are complete (the full amount and the loan are the same), the developer promises to issue the real estate license 180 days after the delivery, and the specific time will be clearly stated in your house purchase contract, so you can pay attention to your own house purchase contract.

second-hand house

If you buy a second-hand house, a new certificate will be issued within 7 working days after the transfer. If you mortgage, it may take 22 working days to get the real estate license after the transfer, because it takes 22 working days for the mortgage to reach the landlord's account. If you buy a second-hand house in full at one time, you will usually hand it over on the day of transfer, which means you can get the real estate license within 7 working days after transfer.

Procedures for handling real estate license with loans

1. The buyer and the buyer sign a house sales contract; ;

3. The purchaser pays 30% of the house price down (lower according to the transaction price and evaluation price, and the evaluation is exempted within one year, subject to the original purchase price);

4. Letter of confirmation that the seller's loan bank agrees in writing to make a one-time prepayment (including the principal and interest of the funds owed and the repayment account number);

5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the above documents and personal credit documents (loan application, lawyer's preliminary examination and bank review);

6. The seller delivers the house to the buyer;

7. After the approval of the bank, the house payment will be given to the seller and transferred to the seller's bank;

8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages the buyer's loan bank;

9. The loan bank of the buyer will pay 30% of the down payment to the seller.

Mortgage loan conditions of real estate license

1, legal identity is required;

2, need to have a stable economic income and the ability to repay the loan principal and interest, and no bad credit record;

3. Need to have a legal and effective purchase contract;

4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; ;

5. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years;

6. Being able to provide effective guarantee recognized by the loan bank;

7. Other conditions stipulated by the lending bank.

8. The collateral of mortgage loan is your house;

9. You need to have a regular job to repay the loan;

10, find more commercial banks such as China Merchants Bank and Development Bank, which may have lower requirements for your income threshold;

1 1. The loan amount is 50% of the amount assessed by the bank. The appraisal is conducted by an appraisal company designated by the bank. The evaluation value is generated according to your age, supporting facilities, popularity of residential projects and other related factors. Generally, the evaluation price will be lower than the market price of the house, because banks should control risks.

When can I get the real estate license when I buy a house with a mortgage loan?

1. If you buy an existing house, you will get the real estate license immediately and get it immediately.

2. If you buy an auction house, you will get a real estate license when you hand over the house. Developers or companies selling real estate will tell you the specific time to hand over the house. Generally, you can get the real estate license in 1 ~ 2 years from the start of construction to the delivery of the house.

What is the process of buying a house with mortgage loan?

1. Before mortgage loan, you must choose a suitable property and confirm whether the property built by the developer has bank support to ensure the smooth acquisition of mortgage loan; Apply for mortgage loan; Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will issue a loan consent notice or a mortgage loan commitment letter; Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents; Sign a house mortgage contract. Define the amount, term, interest rate, repayment method and other rights and obligations of mortgage loan.

2. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks; Open a special repayment account; After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser; The borrower repays the loan regularly as stipulated in the contract.

What is the process of running a real estate license?

1. After the real estate transaction is completed, there is a time limit for handling the real estate license, one month. In other words, both parties need to bring relevant information to the real estate transaction office for application within one month. You need to bring your ID card, household registration book, commercial housing sales contract and other documents when you register.

2. After receiving the notice of house transaction, both parties to the transaction should carry their ID cards, household registration books and seals. 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 city or district (county) Housing and Land Administration Bureau where the house is located with the sales contract issued by the real estate exchange within three months.

4. The public maintenance fund is generally collected by the community office in the area where the property is located. In some cities, public maintenance funds have been collected by banks. Regarding the payment method, you can ask the staff of the developer. It should be noted that the payment voucher must be kept whether it is collected by the community office or by the bank. The payment voucher of these two funds is a necessary document for handling the real estate license. Once lost, it will affect the acquisition of the real estate license.

5. Be sure to keep the license notice given by the management department and get the real estate license according to the time notified above. In addition, when paying stamp duty, property registration fee and production fee, we should carefully check the records of the real estate license, especially the important information such as area, location, owner's name and ownership status.

Changde Longhu Shuanglong Original Works

on sale

Reference price: 6800-7600 yuan/_

Address of Property: Beixincheng, Wuling District, Changde City, Hunan Province

Property telephone number: 400-8 18-0066 to 054894.

When can I get a loan to buy a real estate license?

1, the time for obtaining the real estate license. If there is no agreement in the contract, the certificate shall be handled within three months after the delivery of the house;

2. If you buy an existing house or a second-hand house, you should apply for a certificate within three months after signing the contract.

3. mortgage to buy a house complies with the Regulations on the Management of Real Estate Development and Operation and the Measures for the Management of Urban Commercial Housing Pre-sale;

4. The buyer of the pre-sale contract shall apply for the real estate license within 90 days from the delivery date of the commercial house;

5. Existing home buyers should apply for real estate license within 90 days from the date of signing the sales contract.

6. The time for mortgage to buy a house to obtain the real estate license first depends on the contract you signed with the developer. The handling of real estate license shall be subject to the contract agreement first;

It is necessary to check how this is stipulated in the contract. If the processing time stipulated in the contract is exceeded, the employer shall bear the relevant liabilities for breach of contract.

Extended data:

Can't get the real estate license

The development enterprise is bankrupt or disqualified and cannot continue to handle the real estate ownership; The developer has not obtained the land use certificate or paid the land transfer fee in full;

The developer mortgages the land or house to the bank or construction team, and the debt has not been paid off; The developer has not completed the completion filing work;

Development enterprises repeatedly sell houses (without contract filing), resulting in the inability to apply for real estate licenses;

Property is seized; The developer has not obtained the measured data of the construction area;

There is an area error in commercial housing, and the area beyond a certain range needs to be paid or returned according to regulations. If the area error is not solved, it will lead to the inability to register property rights;