Although cities are developing rapidly, there must be old houses in some corner of every city. The old houses are usually from fifty or sixty years ago. At that time, the house purchase process was not It is so formal, but the documents are not so complete. Some old houses do not have a real estate certificate, but they want to sell it. So what should I do if I encounter an old house without a real estate certificate?

Although most cities are developing rapidly now, there must be old houses in some corner of every city. The old houses are generally from fifty or sixty years ago. The house purchase process is not so formal, and the documents are not so complete. Some old houses do not have a real estate certificate, but they want to sell it. What should I do if I encounter an old house without a real estate certificate? What are the conditions for an old house loan?

What should I do if my old house does not have a real estate certificate?

First of all, we need to go to the local real estate department to confirm the nature of the house, whether it is public property or private property.

1. If *** owns property, then we have to go to the local housing management office to negotiate about the name change of the public property certificate, and if necessary, go to the notary office for notarization. If the housing management office refuses to accept the case, we can also go to court. The procedure is the same. After getting the judgment, we can go to the housing management office to change the name.

2. If it is private property, if we have never been able to find the original owner, then we can bring the purchase agreement and relevant house payment receipts to the district court to sue and require the original owner to perform The contract changes the property certificate, but relevant evidence and witnesses (such as neighbors and community workers, etc.) must be prepared.

3. If the evidence and testimony are sufficient, the court will make a decision as soon as possible, and then go to the real estate department with the court decision to change the name. For public property, if the housing management office refuses to accept the case, you can also go to court. The procedure is the same, except that you can get the judgment and go to the housing management office to change the name. For reference only. Only when the property rights are in your own name can you buy or sell.

What are the conditions for an old house loan?

1. The property rights of the old house must be clear and clear, and must not be ambiguous or modified. At the same time, it must meet the conditions for listing and trading stipulated by the state to avoid being unable to mortgage the house when the lender cannot repay the loan. In addition, the old house must be able to enter the real estate market for circulation and sales. Before that, the old house cannot be used for any other mortgage.

2. The age of the old house cannot be too high. The standard for being too high is that the sum of the age of the old house and the loan period cannot exceed 40 years. The age of the old house is the period since the house was repaired. The calculation starts from that day.

3. Old houses cannot be included in the local urban reconstruction and demolition plan to avoid the problem of house demolition during the mortgage period, and they must be accompanied by supporting documents such as real estate certificates and land certificates to prove that the old houses are The house is indeed legal.

4. The borrower must have a legitimate career and stable income, and have the ability to repay the loan.

5. The lender cannot have illegal or bad credit records, otherwise it will not be able to use old houses for loans.

6. The lender must be able to provide an effective mortgage that is stamped by the bank or approved and recognized. Of course, the old house can also be used as a mortgage for real estate, or a third party with the ability to repay can be used as a guarantee. .

7. Open a personal settlement account with the Industrial and Commercial Bank of China and agree to the bank deducting the principal and interest of the loan from the personal account.

The above is what to do if the old house does not have a real estate certificate? What are the conditions for an old house loan? It is normal for a house in the past to not have a real estate certificate. However, if there is no real estate certificate in this era, there will be great restrictions on the use of the house, so if you have friends who have old houses at home We can solve the problem according to the methods mentioned above. If you are buying an old house with a loan, you must meet the loan conditions mentioned here.