The first thing: carefully check the information on the real estate license to ensure authenticity.
When people are negligent, when our staff enter information in the real estate license, there is a probability of making mistakes. So when we get the real estate license, we should check whether the personal name and ID number on the certificate are correct, and maybe the deviation of one word will be recorded as someone else. In addition, it is necessary to further check the detailed address of real estate registration, including building number, unit room number and real estate area information to ensure accuracy. If the information is found to be different, the entry personnel should be required to correct it in time at the scene, otherwise the normal transaction will be affected when changing hands. Perhaps, at that time, we didn't find the problem of wrong information. It would be very troublesome to correct it after N years, and we need to provide all kinds of proof materials.
The second thing: apply for mortgage registration at the first time to prevent debt disputes and credit risks.
Mortgage loans, except for a few local tyrants, are used by most property buyers. Generally, they will borrow some money from the bank more or less according to their own economic strength and capital planning, and then pay it back slowly. From the perspective of financial risks, banks will require buyers to mortgage their houses to them, in order to prevent buyers from defaulting on payment and affect the normal operation of banks. For American buyers (borrowers), the first thing to do is to apply for mortgage registration in time after obtaining the real estate license. When handling, you need to provide mortgage application, identity certificate, contract and property value certificate. After completing the registration formalities, you need to get back the certificate of immovable property rights before you can finally complete it.
Here, some readers have raised questions: we don't give mortgage houses real estate licenses! Actually, it's not. There are three ways to keep the real estate license for buying a house by loan: one is for the bank to keep it, and the other is for the buyer to keep it after the mortgage is indicated on the real estate license; The third is to give the buyer a copy and leave the original at the exchange.
Back to the topic, what will happen if the buyer (borrower) does not apply for mortgage registration? In actual cases, although the validity of the mortgage contract is recognized, the mortgage right is not established. To this end, remind readers who buy a house by loan that in order to avoid possible credit risks and even debt disputes, they should go through mortgage registration procedures as soon as possible after obtaining the real estate license.
The third thing: properly keep the relevant purchase bills, and the key procedures are of great use.
In the process of buying a house, we will have a series of related procedures in our hands. Most people will keep the purchase procedures before they get the real estate license, but when they get the real estate license, it is estimated that some people have lost these procedures, or they don't know where they are. What is clear is that these programs will not only be lost, but also be of great use when needed. Therefore, the correct posture is that as long as the house still belongs to you, these things should be preserved intact.
This large number of purchase information procedures include: housing sales contracts, purchase invoices, deed tax invoices, decoration invoices, and contract filing certificates. These shopping lists are very useful. For example, the sale of second-hand houses requires the deed tax invoice of the original owner. Another example is the purchase of invoices. When there is a big difference between the total tax and the differential tax, part of the tax can be deducted with the original invoice. There are also invoices for decoration, which can also be used as the cost of buying a house to offset the corresponding taxes and fees. Do you want to pay attention to things that can save money like this?