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How to get a loan for a second-hand house with a real estate certificate?

Legal subjectivity:

Real estate transfer process: 1. The buyer and seller establish information communication channels. The buyer understands the overall current situation and property rights of the house, and requires the seller to provide legal documents, including the house ownership certificate. , identity documents and other documents. 2. If the house provided by the seller is legal and can be listed for trading, the buyer can pay a house purchase deposit (paying a house purchase deposit is not a required procedure for the sale of commercial houses), and the buyer and seller sign a house sales contract (or house sales contract). After the buyer and seller reach an agreement on the location of the house, property rights status, transaction price, house delivery time, house delivery, property rights management, etc. through negotiation, the two parties sign a house sales contract in at least three copies. 3. The buyer and seller must submit applications to the real estate transaction management department at the same time and accept review. After the buyer and seller submit application procedures to the real estate management department, the management department must check relevant documents, review property rights, and allow transfer procedures for houses that meet the listing conditions. For houses that have no property rights or partial property rights and have not obtained the written consent of other property rights holders, Otherwise, the application will be rejected and listing and trading will be prohibited. 4. Establish a contract. The real estate transaction management department shall apply for approval step by step according to the property rights status of the house being traded and the purchase object according to the approval authority set in advance by the transaction department. Now the city has canceled the real estate sale deed during the transaction process, which is commonly known as the "white deed". 5. Pay taxes and fees. The composition of taxes and fees is relatively complex and depends on the nature of the house being traded. For example, the tax composition of housing reformed housing, relocation housing, affordable housing, and other commercial housing is different. 6. Go through the transfer procedures of property rights. After both parties to the transaction complete the property rights change registration at the real estate transaction management department, the transaction materials are transferred to the issuing department, and the buyer applies for a new property ownership certificate at the issuing department with the notice of receipt of the house ownership certificate. 7. For the buyer of the loan, after signing the house sales contract with the seller, the buyer and seller will go to the lending bank to handle the loan procedures together. The bank will review the buyer's credit and evaluate the house that both parties want to trade to determine The buyer's loan amount will then be approved. After both parties complete the property rights registration change and the buyer receives the house ownership certificate, the bank will issue the loan in one go. 8. After the buyer obtains the house ownership certificate and pays all the house payments, and the seller delivers the house and settles all property fees, the second-hand house sales contract between the two parties will be fully performed. Legal objectivity:

Article 38 of the "Urban Real Estate Management Law" The following real estate shall not be transferred: (1) Land use rights obtained by transfer do not comply with the provisions of Article 39 of this Law conditions; (2) Judicial and administrative organs rule, decide to seal up or otherwise restrict real estate rights in accordance with the law; (3) The land use rights are recovered in accordance with the law; (4) The owner of the real estate has not obtained any other authorization. Someone agrees in writing; (5) The ownership is in dispute; (6) Failure to register and receive the ownership certificate in accordance with the law; (7) Other situations where transfer is prohibited by laws and administrative regulations.