The house bought with a loan has a real estate license. At present, most cities will not mortgage real estate licenses, but only accept other warrants, that is, mortgage certificates. Without other warrants, buyers can't cancel mortgage and transfer ownership with real estate license, so mortgage real estate license is of little use to banks.

Time to get the real estate license by borrowing money to buy a house:

If it is a new house bought by a loan, the time to get the real estate license is generally a few months later than that of the full-time buyers. This is because after handling the real estate license, the developer needs to hand it over to the bank, and the bank is taking it to the Housing Authority for mortgage. Although this seems simple, because of the large number of people, the overall aging has slowed down. After handling the mortgage, the developer will hand over the real estate license to the buyers, so it will take some time to get the new house with the loan after handling the real estate license. Now most new houses are auction houses. It may take 1 to 2 years to hand over the house after purchase, but it is impossible to obtain the real estate license before the house is completed, and the buyers generally pay the deed tax and maintenance fund when handing over the house, so it is impossible for the auction house to obtain the real estate license when handing over the house. In the purchase contract, the developer will agree that the time for handling the real estate license is generally one year or one and a half years. So if there is no accident, the developer will handle the real estate license within the agreed time.

Therefore, from the beginning of buying a new house, it usually takes two to three years to apply for a real estate license.

Second-hand housing to handle the transfer procedures, you must have a real estate license, so the real estate license transfer is faster. If the buyer needs a loan, after signing the loan contract, the mortgage can be approved within 7- 10 days, and the transfer can be handled after the mortgage is approved. According to the normal procedure, the transfer usually takes 5-7 working days, because it takes several working days to get the ownership certificate after the transfer is completed.

So under normal circumstances, it only takes 20 days to buy a second-hand house and get a new real estate license.