2. According to the regulations, if you buy a house by mortgage, you should register the house mortgage after you register the property right. As the mortgagee, the bank will get the proof of other housing projects. 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.
3. Before the mortgage registration is paid off, the mortgage registration record has been kept in the real estate file, and it is not allowed to buy or sell. It is not necessary for the bank to require the lender to mortgage the real estate license to the bank.
4. 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.
How to handle the house ownership certificate?
Property buyers buy new houses in development companies and apply for mortgage loans. Now they need to turn to their existing houses for mortgage loans. If the advance notice registration (mortgage loan mortgage) is set for the pre-purchased commercial housing, when the purchaser handles the real estate license, the housing registration agency (county real estate bureau) will change the pre-mortgage registration to the existing mortgage registration and issue the Property Ownership Certificate to the mortgagee (loan bank).
The processing time and flow of other projects are as follows:
1. Go to the Housing Authority with the mortgagee to handle the property right certificate;
2. Number in the mortgage window;
3. Submit your property right certificate and ID card to the counter, and the mortgagee will provide information;
4. Handle other rights well (handled well at that time);
5. Cost 80 yuan.
There are two points to pay attention to when handling other property certificates:
1. According to the provisions of the Guarantee Law, the mortgage of real estate, that is, the right to dispose of real estate is restricted, and legal transactions cannot be conducted without the consent of the mortgagee, and relevant procedures such as property transfer cannot be handled.
2. The registration of other rights refers to the registration of house ownership by setting other rights such as housing mortgages and pawning right. Because the owner of mortgage to buy a house, whose property right is currently in the state of bank mortgage, must apply for other warrants in the Housing Authority to prove that the house is being mortgaged. Avoid the situation that the house is mortgaged and re-mortgaged without other warrants.
Buying a house by group purchase is more favorable.
Sales reference price: the price is to be determined.
Property address: 1. Shuttle to 1 free.
Property Tel: 400-8 19-6590 to 0627.