2. What is the real estate license?

Property ownership certificate is a certificate that buyers can obtain legal ownership of houses through transactions and exercise the rights of possession, use, income and disposal of purchased houses according to law. Real estate license is the abbreviation of "house ownership certificate", which is a written certificate issued by the real estate registration agency to prove the ownership of the house.

Although a suite can only handle one house ownership certificate, a suite can have both house ownership certificate and house ownership certificate. That is, when two people jointly inherit a suite, and the property rights are shared or the proportion of property rights is clear, they can apply for the "House Ownership Certificate".

Third, the influence of Fannie and Freddie.

The situation mentioned above is similar: buying two suites and two rooms, and finally living in the form of a suite, which is equivalent to opening two suites. This form will do. Its influence is mainly reflected in the following aspects:

1. If you buy it by mortgage, both suites need to be mortgaged. The first mortgage loan had no effect, but the first two mortgage was difficult to handle and the interest rate had to rise.

2. The down payment ratio of the second set will be affected. Different regions have different requirements for the down payment ratio, especially the second set, which has reached 60% in Beijing.

3. There are many restrictions on purchases now, so it will be more difficult and more restrictive to buy a house again.

reference data

The difference between house ownership certificate and ownership certificate. Find the law network [reference time 20 18-3-9]

Can I buy a house with two real estate licenses? Sohu. Com [reference time 20 18-3-9]