The off-plan house has been converted into a real estate. When you bought the house, you bought it off-plan and applied for a mortgage. Now that the house is an existing house, you can apply for a real estate certificate. After you apply for the real estate certificate, you also need to apply for other property rights certificates. , this is the meaning of converting off-plan houses into cash houses. "Full-time housing" refers to the commercial housing sold by real estate developers from the time they obtain the commercial housing pre-sale license to the time they obtain the real estate ownership certificate. Buying off-plan housing means that buyers purchase real estate projects that are still under construction. It is a common practice among real estate developers today. A method used to sell a home.
The reason why the sales department is rushing to apply is: when you bought your house, it was an off-plan house, and you applied for a provident fund loan with a bank mortgage based on the purchase contract. Because the provident fund center does not allow off-plan mortgages, the developer paid Only by paying part of the deposit did you and others successfully apply for provident fund loans. Now you can apply for a real estate certificate for your house. Because the loan has not been repaid, you need to obtain the real estate certificate before mortgage, commonly known as EPC. After EFP, the deposit paid by the developer can be withdrawn.
Legal basis: Article 3 of the "Commercial Housing Sales Management Measures" includes commercial housing current sales and commercial housing pre-sales.
The term "sale of commercial housing on the spot" as mentioned in these Measures refers to the behavior of real estate development enterprises selling commercial housing that has passed the completion inspection and acceptance to the buyer, and the buyer pays the house price.
The pre-sale of commercial housing as mentioned in these Measures refers to the behavior of real estate development enterprises selling commercial housing under construction to buyers in advance, and the buyers pay deposits or house prices.
Article 7 of the "Measures for the Administration of Sales of Commercial Houses" The current sale of commercial houses shall meet the following conditions:
(1) The real estate development enterprise that sells commercial houses now shall have a corporate business license and a real estate license Development enterprise qualification certificate;
(2) Obtain land use right certificate or land use approval document;
(3) Hold construction project planning license and construction license;
(4) Has passed the completion acceptance;
(5) Demolition and resettlement have been implemented;
(6) Water supply, power supply, heating, gas, communications, etc. The supporting infrastructure is ready for delivery and use, and other supporting infrastructure and public facilities are ready for delivery and use or the construction progress and delivery date have been determined;
(7) The property management plan has been implemented.