2. Apply to the bank: After signing the best purchase agreement, the buyer needs to bring the application materials to the relevant mortgage bank to apply for a mortgage. If you buy real estate, in addition to the purchase contract, personal income certificate and identity certificate, you also need the sales unit to provide pre-sale permit. If you buy a rental house, you need to bring the real estate license, the buyer's salary certificate and the identity certificate of both parties to the loan bank window to apply.
3. Step-by-step bank audit: After accepting the application, the administrative staff of the bank will first investigate the application materials provided by the borrower. If the situation is true, the amount and time limit will be approved according to the actual situation of the purchased property, and then submitted to the bank's superior for trial. After the audit step by step, notify the borrower to sign a loan contract at the bank.
4. Deed tax payment: After handling the best mortgage, the buyer needs to bring relevant information to the local real estate trading center to pay the deed tax. The specific cost depends on the size of the house, so pay attention to keeping the voucher.
5. Apply for real estate license: After paying the tax, the borrower needs to bring the purchase contract, loan contract and deed tax payment certificate to the window of the real estate trading center to apply for opening the real estate license. Usually, the time limit for approval and voucher preparation is 10 working days.
6. Mortgage: Because it is a mortgage, the new house needs to be mortgaged again. After the approval step by step, other warrants and real estate licenses will be sent directly to the relevant loan banks. Some banks need to detain real estate licenses, which will vary from place to place. After receiving the certificate, the bank will transfer the loan funds to a special account.
Under what circumstances can't I apply for a real estate license?
1, illegal building: before buying a house, the buyers should investigate clearly. If developers want to sell commercial housing in the real estate market, they must obtain five certificates and one book. In order to maximize profits, some developers will arbitrarily change the use of all parts of all owners in the community and build houses illegally. If property buyers buy such a house, they will not be able to apply for a real estate license.
2. The developer mortgages the house to others: even the developer with complete five certificates mortgages the house to others and sells it at the same time. In this case, buyers can't do real estate licenses. If the developer can't fulfill the due debt in time, the mortgagee demands to realize the mortgage right, and the buyers don't even have the right to survive.
3. Property right houses: Property right houses cannot be licensed, but some property buyers will choose property right houses for the sake of cheapness. However, small property houses can't get the real estate license issued by the state, only the real estate license issued by towns and villages. In case of demolition, buyers will not get any compensation.
4. Unqualified property acceptance: The developer also needs to issue relevant certificates when the house is accepted. According to the requirements of relevant laws and regulations in China, the construction project can only be delivered to the buyers after passing the acceptance. If the property fails to pass the acceptance of relevant departments due to quality problems, even if the house is handed over, the property ownership certificate cannot be obtained.