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Can I get a loan if the house is not put on record?
Only projects with complete five certificates can be signed online for the record, and loans can be obtained only if the online signing is successful. At this time, the purchase contract is mortgaged in the Housing Authority. After the house is closed, the developer will handle the real estate license for you, and then mortgage the real estate license in the Housing Authority. After you pay off the loan, go through the relevant formalities and get back the real estate license.

This kind of house is very risky to buy and sell, so I suggest you be cautious! Of course, for the buyer, the risk is relatively higher.

This house is transferred by auction, and there is no real estate license. The first is legal risk. The prohibition of auction transfer in the State Council means that the courts generally do not support the sales contracts of such houses, which means that they are probably invalid contracts because they are illegal. Secondly, time risk, because the delivery time is uncertain or the cycle is long, the time interval between signing the agreement and actually handling the transfer is very long, which is easy to change, especially now the market price changes, which is easy to make people go back on their word!

However, many people have bought this kind of house, and the actual operation has been successful. Generally, there are two ways: changing the bill and waiting for the house to be transferred.

1, change the order; In other words, the agent tells you to transfer the contract. This method is mostly used for houses that have not obtained real estate licenses. With the cooperation of the developer, the new buyer's house can be handled directly, which can save the taxes and fees generated by the transfer, and the owner can also recover the house payment quickly. Generally, new buyers will pay all the money when signing a contract with the developer. Of course, at present, this is prohibited by the state, strictly speaking, it is illegal operation. This operation is related to whether developers cooperate, not all houses can do it.

2. transfer. The policy operation of buying second-hand houses, signing a house purchase contract, waiting for the owner to obtain the real estate license (it is safer to sell after obtaining the real estate license), both parties sign and pay taxes, and transfer the ownership according to the Internet, so that the buyer obtains the property right of the house. This method is commonly used and belongs to normal operation (except that the contract signed by the house has not yet been obtained, and the effect is to be determined), but it will increase the taxes and fees of the second-hand house, and the owner will have to wait for a long time and recover the house payment later.

Finally, after the name change, in principle, people who have no room should buy a house first. But in Beijing for a period of time, as long as people who have signed online (even if they have been revoked), buying a house is even two sets. You'd better go to the local housing authority to confirm this, and the specific details will vary from place to place.