What you are talking about should be a small property right house that raises funds ~ Because there is no land transfer fee to the country, and there is no house book that can't be listed and traded, it is definitely impossible to lend. The so-called collective management, in the future, the "developers" in the village will pay the land transfer fee, but basically they will not pay it ~ Because farmers raise funds to build houses and use their own homesteads, they feel that they should not pay the state; However, the current policy of the country is: you can live in your own house, and you have to pay the transfer fee if you sell it, otherwise you will not recognize it and do not apply for a real estate license.
In recent years, we have been discussing the problem of "turning this small property right house into a regular house". Some people say that in the future, each household may be able to get married by paying the difference ~ ~ but everything is just hearsay. So if it's cheap and you live in it, you can consider buying it; If it is only for investment, my personal opinion is caution.
Question 2: How can banks issue loans when there is no real estate license for commercial houses? I'll tell you a process of mortgage at the beginning, and you can recall it (maybe you didn't notice it at first)
Signing the Contract-Filing the Contract-Handling the Mortgage Registration Procedures-Fulai Bank Mortgage Procedures
After that, the real estate bureau will issue you a certificate of other rights according to your mortgage procedures and the building conditions of the residential area you purchased, proving that the house is yours. This is the same thing as the real estate license and its predecessor. When the bank sees this, it will give the loan to the developer.
The reason why developers run away may be because: first, the local real estate management is not cautious, his rights are proved too early, and the developer's capital investment ratio is low; Second, the local bank audit is not strict, and it has done public relations for developers.
Question 3: My house has not been delivered yet, and there is no mortgage, and the real estate license has not yet come down. Can you sell it? Just bought a new house, the owner needs to pay deed tax, stamp duty and public maintenance fund to the state. After paying these three sums of money, the local real estate authorities will record the real estate and then issue the real estate license.
Before the real estate license comes down, it depends on whether the original owner has paid the above three sums of money to the state. If not, you can also ask the developer to change the purchase contract to your name, and then you pay these three sums of money, and the real estate license will directly become your name.
Bank loans to the first homeowner do not necessarily require the homeowner to have a real estate license, as long as the developer has a large house property certificate for the whole community.
Of course, the house you like has already begun to pay the mortgage. No matter when the real estate license can come down, the materials of this house have long been filed in the land and resources management department. In this case, it is impossible to transfer ownership by changing the purchase contract, and only after the real estate license comes down can it be transferred in the name of second-hand housing. Moreover, the bank said it would transfer the mortgage service, but in fact it won't give it to you at all. You have to wait for the owner to pay off the loan before transferring the ownership, and there is no debt. If you want to get a loan, you can only go through the loan formalities after the real estate license is completed.
Fast, the most unreliable thing is fast. The area has shrunk, the promised things are not in place, the property management is not satisfactory, and so on. ......
There is another trouble-house prices are rising rapidly now, and no one can tell what the house price will be when the real estate license is issued. What if the owner raises the price and doesn't sell it to you at the agreed price? You are now sure that the promise of buying a house is that you have paid a deposit to the owner. Generally, this kind of owner will ask you to repay the loan. If we talk about it after the real estate license comes down, what about the deposit and the monthly payment that has been paid?
Signing an agreement is one way, but it doesn't solve the fundamental problem. Looking for an intermediary company, who knows if this intermediary company, this store and this salesman who works for you are still there when the real estate license comes down?
If you have other options, I advise you not to think about this house again. If you really want to buy, you'd better go to the notary office approved by the Bureau of Land and Resources and opened by * * * to notarize the sale of houses. In the notarial certificate, you must confirm that the transaction has been reached, the house price has been paid in full, and all the rights of the house have been transferred to you. After the real estate license comes down, the original owner entrusts you to handle all the transfer procedures (that is, you can transfer the ownership without the original owner). In this way, your interests can be guaranteed, the owners can get the money, and you don't have to worry about the transfer in the future, which is good for both of you.
Question 4: How can I buy a house without a property right certificate for the time being? You should think more about how to get a loan to buy this kind of house. What do you mean you didn't get the property right of the house? It should be obtained one year after the house was built. Do you have a certificate to return it? Many teachers' fund-raising houses are school land. If they can live, they will have no property rights. This point must be clarified. The price without property rights is much lower.
It is a good thing that the loan is not available. Sign an installment agreement with the landlord, wait until the house documents are complete, then transfer the ownership and apply for a loan. This is also a guarantee for you. In case you don't have a certificate, if you give all the money, people will ignore you.
Question 5: Can a house be loaned without a real estate license? A house without a real estate license cannot be mortgaged. You can't get a loan unless you use something other than a house (such as land) as collateral.
Question 6: Are there any banks that mortgage new houses without an intermediary? If it is a new house, it usually takes three months to get the real estate license after handing over the house. If it is a second-hand house, about one month after the transfer.
Property ownership certificate handling process:
Step 1: Sign the entrustment agreement.
Usually, there is a clause in the "house purchase contract" about entrusting the developer to handle the real estate license, which itself can be regarded as a separate entrustment agreement. In addition, many developers will require buyers to sign a power of attorney entrusting them to handle the real estate license in addition to the purchase contract, and agree to hand over the deed tax and public maintenance fund to them before they can move in.
Sometimes, developers will entrust relevant procedures to specialized institutions or lawyers.
At this point, you can choose a developer or an agent company to go through the relevant formalities, and pay taxes and fees such as deed tax and public maintenance fund by yourself.
Step 2: Pay the agency fee of the real estate license, public maintenance fund, deed tax and stamp duty.
When checking in, developers often ask to pay these fees. Precautions:
1. Before paying the money, please know the charging standards of these taxes and fees, so as to verify whether the developer's calculation is correct. Please refer to the appendix 1 1 of this book.
2. After paying the money, you must keep the receipt, and you must let the payee affix the official seal, and don't accept the "white note".
Step 3: Get the real estate license according to the agreed time.
After the developer or agency pays the above taxes and fees, it can get the real estate license after handling the real estate license and mortgage registration.
If the loan bank impounds the real estate license and the house purchase contract, it must look for opportunities to carefully verify the records on the real estate license, and once the records are wrong, it must request changes in time.
Question 7: Can a house without a real estate license be loaned? Yes, you can. As long as there is a house purchase contract and valid documents. If not, I'd like to ask if the property right certificate of the house that the developer sold to you at the beginning has not been obtained. What about the mortgage? So it is ok. But make sure that this house can be issued with real estate license in the future. As you said, the house rebuilt in the old city can't work. And the transaction is not safe. Without proof of real estate, there is no guarantee. There are certain risks.
Question 8: How much is the mortgage and real estate license? If you bought a new house in the last two years, I'm afraid you can't change your name according to the current policy. If you don't want me, I will offer several ways:
1, change its name, please confirm with the developer and local administration. Every place is different.
2. Wait for the certificate to come out before selling. I'm afraid it will take about 1 year (depending on the reputation of the developer).
3. None of the above will do. If you want to sell it right away, there is another way: notarization.
Wool is on sheep. In terms of taxes, you bear it in your name. If you think this is a cost problem, add the house price.
Finally: I suggest you find a good intermediary to help you deal with this matter. Intermediaries know better and know how to find a solution. Also, sometimes they run away when they need relationships.
Question 9: The property right certificate of the newly bought house has not been handled yet. Can I get a mortgage? number
Question 10: Before the house is delivered, can the mortgaged house be sold without the real estate license? how much is it? Houses without real estate licenses are not allowed to be bought or sold. With the real estate license, the mortgage is not over yet and you can't buy or sell it. Some banks have the so-called "remortgage" service. Actually, it's just a stunt. In fact, the service staff will strongly advise you not to use the secondary service, that is, you don't apply for remortgage at all.
Whether there is a real estate license or not, if you want to sell a house, you must first pay off the mortgage and understand the bank mortgage record of the property. Otherwise, if there is a real estate license, the real estate bureau will not accept it at all.
Pay off the mortgage (it can be paid by the buyer and deducted from the purchase price). If there is no real estate license, developers can see if they can change the purchase contract and change the purchaser to buy a house. However, if you pay the money for the real estate license, it means that the real estate bureau has put the real estate situation on record and can only wait for the real estate license to come down before transferring the ownership.