Can’t I get a loan with the first or fifth certificate? What is the role of the five certificates in buying a house?

With the improvement of economic level in various regions, more and more people plan to buy houses in cities, and most people will choose to buy houses with mortgages. Now for some reasons, there are some houses with incomplete certificates appearing on the market. As the economic level of various regions improves, more and more people plan to buy houses in cities, and most people will choose mortgages. Buy a house. Nowadays, due to some reasons, some houses with incomplete five-year certificates appear on the market. So, can I get a loan without all five certificates? Taking this opportunity, Housing Online also summarized some information on the role of the five certificates for buying a house. Friends who want to know more should not miss this information!

Can I get a loan without five certificates?

1. Under normal circumstances, if the five certificates of the real estate developer are incomplete, the purchase contract signed between the buyer and the developer is not protected by law. However, if a buyer wants to apply for a mortgage loan from a lending bank, he or she needs to provide a valid home purchase contract and other materials before applying. Therefore, a house with incomplete documents cannot be loaned.

2. However, some lending banks will carefully consider the risks of the real estate project and the strength of the developer, and do not rule out the possibility of applying for a loan if the five certificates are incomplete.

2. What are the functions of the five certificates for buying a house?

1. "Building Land Planning Permit" means that before developers and construction units apply for land from the land management department, the location, height, floor area ratio, etc. of the construction project must comply with the requirements of the local urban planning administrative department. Legal proof of defined urban planning.

2. The "Construction Project Planning Permit" is the legal certificate that the construction project meets the requirements of urban planning. It mainly means that the planning and design of the real estate project developed by the developer complies with the urban planning.

3. "State-owned land use certificate" refers to the legal certificate of state-owned land use rights issued by the local people's government upon application by land users and development units. This certificate mainly states the name of the land user, land location, purpose, land use area, service life, and the "four to" range. Of course, if it is a newly developed property in recent years, it may also be a "Real Estate Certificate".

4. The "Construction Project Commencement Certificate" is the legal certificate for the construction unit to carry out the project construction, and is also one of the main basis for the registration of house ownership. A building without a "Construction Project Commencement Certificate" is an illegal building and is not protected by law.

5. The "Commercial Housing Sales (Pre-Sale) License" is an approval document issued by the real estate management department of the municipal and county people's government to allow real estate development enterprises to sell commercial housing (if it is an existing house, the developer only needs to issue a completion filing form ).

Can I apply for a loan if I can’t do everything? I believe everyone is aware of this issue. It is necessary for us to understand a little bit about the role of the five certificates in buying a house. Remember to follow us!

2. Can’t I get a loan to buy a house?

You can get a loan, depending on your conditions. For a first home, you can get a down payment of 3 floors and get a loan of 7 floors. For a second house, you can get a 4-storey loan with a down payment of 6 floors. The rules are different in different places and the number of floors is different

3. What are the five certificates for buying a house? What are the risks of not having all five certificates for buying a house

Some friends have learned that when buying a house, you need to check the developer’s five certificates. The five certificates represent whether the developer is formal and whether there are problems with the qualifications. Some friends have When I bought a house, I didn’t pay much attention to the developer’s five certificates. It was only when I started to take over the house and apply for the property ownership certificate that I realized that the five certificates were very important. So what did the developer’s five certificates mean when buying a house? What are the risks of incomplete five certificates?

1. What are the five certificates for buying a house?

The five certificates for developers include "State-owned Land Use Certificate", "Construction Land Planning Permit", and "Construction Project Planning Permit" "Certificate", "Building Project Construction License", and "Commercial Housing Pre-sale License", these five licenses are indispensable for developers to develop real estate.

The Five Certificates hanging on many real estate properties are actually photocopies, so some home buyers are confused. Do they need to see the original Five Certificates when buying a house? The editor here recommends that home buyers must look at the originals when checking the five certificates, because it is easy to cheat with copies. In addition, before signing a contract, you should check whether the house you pre-purchase is within the pre-sale range to ensure that you can successfully apply for a property ownership certificate in the future.

2. What are the risks of incomplete house purchase certificates

1. If the developer lacks the "State-owned Land Use Certificate" and the "Commercial Housing Pre-Sale License", it will not build on the land. The qualifications for a house are illegal even if the house is built; and the developer is not qualified to sell commercial housing. If a home buyer buys such a house, he cannot register it with the housing authority and obtain a real estate certificate. So, from a legal perspective, even if you pay for the house, the house is still not yours.

2. Without the "five certificates", there is no difference between unscrupulous developers and scammers. Before the land was approved, they began to build sales offices, build sandboxes, advertise, and use various means to attract home buyers. After the home buyers paid the deposit, they would run away without hesitation.

3. Some banks also have requirements for the qualifications of developers when issuing commercial loans. Some unscrupulous developers deliberately conceal loan restrictions. After collecting money from home buyers, they no longer care whether the loan can be obtained.

4. The "five certificates" determine the nature of the house! The ownership period for residential and commercial properties is different. Article 12 of the "Interim Regulations of the People's Republic of China on the Assignment and Transfer of State-owned Land Use Rights in Guocheng Town" shall be determined according to the following purposes: 70 years for residential land; 70 years for residential land.

The above is an introduction to the five certificates for buying a house and what are the risks of incomplete five certificates for buying a house. The five certificates are what everyone should pay attention to when choosing a house. If you buy a house, At that time, the developer had incomplete five certificates and said that it would be completed at a later stage. This cannot be easily believed. After all, the initiative in re-applying for five certificates cannot be in your own hands because the risk is too great.