Does the mortgage house have a real estate license? A house with a mortgage loan must have a real estate license. According to the "Measures for the Management of Commercial Housing Sales" issued by the Ministry of Housing and Urban-Rural Development, real estate development enterprises must report to the real estate administrative department where the house is located within 60 days from the effective date of delivery of commercial housing. Otherwise, the developer defaults, and the time for the community owners to get the real estate license will be delayed.
According to the "Measures for the Management of Real Estate Development and Operation in Big Cities" and its "Measures for the Management of Commercial Housing Pre-sale in Big Cities", the purchaser of the pre-sale contract shall apply for the real estate license within 90 days from the effective date of the delivery of commercial housing; The real estate license of new buyers shall be handled within 90 days from the effective date of signing the market sales contract. Therefore, whether it is an existing house or a pre-sale house, whether it is a payment method or not, it is possible to obtain a real estate license.
When can I get the real estate license for the mortgage house? 1. First consider the contract you signed with the developer. The application for real estate license is based on the contract at the beginning. You need to find out how it is stipulated in the contract. If the processing time of the terms of the contract is exceeded, the real estate developer shall bear the relevant liability for breach of contract.
2. If there are problems in many aspects such as the valid documents of the project, it is impossible to successfully apply for the real estate license. It is suggested that real estate developers start with this problem.
3. If you apply for a loan, the bank's property right certificate is not withheld, but part of the land use certificate. A normal house has two certificates, the title certificate and the land use certificate, and the other certificate is a part of the land use certificate. If you borrow money, you should deposit it in the bank. If you pay in one lump sum, there will be detailed proof.
The borrowed house can't be traded because his certificate is in the bank. If you buy or sell, you need to settle the bank loan. The house with mortgage loan has a real estate license, but the real estate license will not be given to you until the house loan is repaid.
Is there a difference between full payment and mortgage property certificate? In fact, it takes the same time to buy a house with a loan and make a real estate license, but it is easier to put one more in the bank. Generally, when buying a real estate and choosing a housing loan, there will be a description of the specific content of the mortgage in the housing property certificate, indicating the owner of the mortgage and the type of rights (such as mortgage and pledge). ), category of rights (housing category of mortgage), use value of rights (rental price of mortgage), duration of right marriage (lease term), and dissolution time (date when mortgage disappears).
According to the provisions of the civil law, real estate mortgage, that is, restricting the right to dispose of the property, can not conduct reasonable and legal transactions without the permission of the pledgee, nor can it go through the relevant procedures such as renaming the real estate license.
At this time, there will be a column "This house has been pledged" on your real estate license. After you repay the bank loan, go to the bank to show a "settlement certificate", and the bank will return it to you. You can apply for mortgage cancellation with the "settlement certificate" and the real estate management bureau to which the property belongs, and at the same time, make a real estate license, which means the house with the words "This house has been pledged" on it without complete property rights.