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The house has a loan, why is there no mortgage information on the real estate bureau and the real estate license?
Hello, mortgage loan is used to buy commercial housing. After mortgage registration, the real estate license is taken over by the purchaser and the bank holds the real estate license. According to the regulations, if you buy a house by mortgage, you should register the house mortgage after the property right registration. As the mortgagee, the bank will get the ownership certificate of the house. Therefore, after the real estate mortgage registration, the house ownership certificate is taken over by the purchaser, and the bank holds the house ownership certificate. Before the loan is paid off, the registered real estate has been recorded in the real estate file, and it is not allowed to buy or sell. There is no need for the bank to require the lender to mortgage the real estate license to the bank. After the loan is paid off, don't forget to bring the loan settlement certificate issued by the bank to the Housing Authority for mortgage cancellation.

First, the real estate license

Housing permit (real estate permit) refers to the certificate that the buyer obtains the legal ownership of the house through the transaction and can exercise the right of possession, use, income and disposal of the purchased house according to law. That is, the "House Ownership Certificate" is the legal certificate for the state to protect the ownership of houses according to law. Proof that the owner manages and uses his own house. Property ownership certificate includes house ownership certificate and house ownership certificate. Generally speaking, the real estate license is the abbreviation of the house ownership certificate, which is a written certificate issued by the real estate registration authority to prove the ownership of the house. According to China's current housing ownership registration system, housing registration is a legal way to publicize the ownership of urban housing rights. 20 1 1 In late August, the tax authorities said that if the property was added, the deed tax would be levied at half of the house price. 20 13 In April, Beijing Municipal Commission of Housing and Urban-Rural Development stated that in order to prevent false sales and ensure the safety of housing transactions, the house ownership certificate obtained by Beijing buyers will be given a password free of charge, and the password must be provided if the house needs to be registered for transfer, change or mortgage. It is expected to be implemented in the second half of 20 13.

Second, the real estate license processing process

(1) Within one month after the real estate transaction, both the buyer and the seller shall go to the real estate exchange to register the transfer of ownership with the documents such as the house purchase and sale contract. You need to bring your ID card, household registration book, commercial housing sales contract and other documents when you register.

(2) After receiving the transfer notice from the Exchange, the buyer and the seller should bring their ID cards, household registration books, seals, etc. After paying the handling fee, deed tax and stamp duty, you can go through the transfer formalities. The exchange will issue a real estate sales contract to the buyer. In principle, the real estate license must be handled jointly by the buyer and the seller. If the buyer and the seller or one of them cannot handle the formalities of ownership transfer and property right registration for any reason, they may issue a power of attorney to entrust an agent to handle it on their behalf.

(3) After completing the transfer formalities, the buyer shall apply for registration with the municipal or district (county) Housing and Land Administration Bureau where the house is located within three months with the house sales contract issued by the real estate exchange. The documents and materials needed to handle the application include: the house ownership certificate of the whole building owned by the seller, the commercial house sales contract, the copy of the stub of the commercial house sales invoice, the copy of the ID card, the registration form of the house ownership transfer, the wall boundary table and the area calculation table.

(4) After being audited by the real estate management department, the buyer can get the title certificate.