Is the deed tax invoice of housing loan handed over to the bank before mortgage loan? The answer is no, of course. According to the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts, many mortgage to buy a house property buyers have legal norms on the real estate license of buyers. Many mortgage property buyers get the real estate license within 90 days after they get the key, even if the contract does not specify the time for obtaining the real estate license.
As I said, the issuance time of the real estate license is the same as that of loans and lump-sum payments, except that an "other certificate" is placed in the bank. Many mortgage borrowers must be confused. Since the house can get the real estate license within 90 days of the developer's turnkey, why do many property buyers not get the real estate license for more than 90 days or even longer?
The specific reasons are as follows:
1. If the developer fails to apply for the real estate license for various reasons, and if this situation requires the owner to safeguard his own interests, the developer is required to apply for the real estate license in the shortest time and compensate the owner accordingly.
2. Some real estate licenses have been processed, but because many owners buy houses by loans, the banks temporarily detain them as collateral, and the real estate licenses can not be returned to the buyers until the buyers have repaid their mortgages. In this case, property buyers can only get the real estate license after returning all the loans to the bank. Of course, property buyers can also repay in advance and then get the real estate license in advance, which generally takes 15-20 working days to get the real estate license.
3. The real estate license has been processed. Banks, as buyers of mortgage loans, will remain as collateral after the real estate license is completed, and some banks must handle the real estate license by the buyer himself. Of course, mortgage property rights registration is required during the application process.
4. At present, many banks will not detain the original real estate license of users as collateral. Generally, banks will go to the Housing Authority to register the overstocked real estate, and then return the original real estate license to the buyers, but the column of "Setting Other Rights" on the inner page of the real estate license will be stamped with the mortgage registration stamp. I own the property right certificate, but his right certificate is in the bank. If you pay off the loan, you can get his certificate back and cancel the mortgage through the transaction.
Do you have a certain understanding of whether the deed tax invoice of housing loan should be handed over to the bank before mortgage loan? If you have any questions, you can consult the relevant local departments, and I believe you can get the most detailed answers there.