It can be done. The real estate license of the new house is generally handled by the developer. Developers prepare real estate development documents according to the requirements of the Housing Authority, and then register real estate. The Housing Authority conducts survey on the real estate developed by the developer and handles the real estate license. The bank will get the house ownership certificate for the house purchased by the loan, which proves that the house is in a mortgage state, and then the buyer can get the real estate license.

Processing time of loan to buy a house and real estate license

1. Most banks will go to the real estate bureau for mortgage registration with the real estate license after the real estate license is issued, 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. The lender cancels the mortgage registration after paying off. Some banks still keep the original title certificate until the loan is repaid. It depends on what is written in the contract, and it should be done 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.

The risk of not having a real estate license

1. No mortgage: it takes a long time to sign a house without a real estate license. If the buyer encounters an emergency after signing the sales contract and paying the down payment or house payment, this house cannot be used as a mortgage to borrow money from the bank.

2. Inheritance or donation procedures cannot be handled: when a house is given or inherited, notarization procedures must be handled. According to the regulations, without the title certificate, the notary department will not go through the relevant procedures, and the rights and interests of the heirs and recipients will not be guaranteed.

3. The house is sold by the owner with one room and two halls: there are many cases of selling a house without a real estate license. Because the house does not have a real estate license, if you encounter a debt-ridden owner, you may sign a contract with the buyer at the same time to collect a deposit or a down payment. Disputes are inevitable.

4. No compensation: Once the house without real estate license is demolished, the buyer may not get compensation because there is no real estate license.