In the process of buying a house, it is generally necessary to mortgage the real estate license to the bank to apply for a loan. After applying for a loan, you can check the mortgage of the real estate license online.
1, online query. Click on the links of provinces and cities to enter the websites of local real estate administrations, and you need to enter the name of the property owner and the title certificate number.
2. Inquiries from the Real Estate Bureau. If you want to check the accurate mortgage information of the real estate license (including: the name of the house owner, the title certificate number, the date of registration and approval, the building area, the design purpose of the house, the source of rights, whether the house is mortgaged, whether it is sealed up, etc.). ), you must bring your personal identification and real estate license to the archives or window of the local housing authority (real estate trading center, housing authority, housing authority) for inquiry.
How to mortgage the real estate license?
1. Borrower prepares relevant materials: Before the loan, the borrower needs to provide many materials to the bank, including ID card, household registration book, marriage certificate, real estate license and house purchase contract.
2. The bank runs the road: According to the value of the house, the bank's mortgage amount is different. In addition to mortgage real estate license, banks also need borrowers to have good credit and economic strength in order to better avoid risks, so most banks will require borrowers to provide bank running statements of their personal accounts for nearly half a year.
3. Apply for a loan from the bank: the amount of housing loan is generally more than 5,000 yuan, and the value of the property is less than 70%. The expected annualized interest rate of the loan will rise by a certain percentage according to the benchmark expected annualized interest rate of the central bank. The loan term is generally 5 to 30 years, and the repayment methods generally include equal principal and interest, equal capital and so on. The former has less repayment pressure in the early stage and the latter has less repayment pressure in the later stage, so the borrower can choose flexibly according to his own situation.
4. Bank review of mortgage: After applying for mortgage, the bank began to review the qualifications of borrowers.
5. After the bank has passed the examination of the borrower's mortgage and agreed to issue the loan, the borrower needs to go to the local delivery room management department at or above the county level and go through the mortgage registration formalities with the bank clerk.
6. The bank obtains the real estate license and lends money: after the above procedures and processes are completed, the bank will lend money to the borrower. But because it is a housing loan, generally speaking, the bank loan will directly hit the account of the real estate developer and will not be paid directly to the borrower.
How to inquire whether the real estate license has been loaned or mortgaged?
You can check with the Housing Authority.
If you want to inquire about the mortgage information of the real estate license (including: the name of the owner of the house, the number of the real estate license, the date of registration and approval, the building area, the design purpose of the house, the source of rights, whether the house is mortgaged or not, etc.), you must bring your personal identity certificate and real estate license to the local archives or the window of the Housing Authority to inquire.
A house can't be mortgaged without a real estate license, so you should buy it carefully without a real estate license. With the real estate license, the house can not only guarantee its own rights and interests, but also be used for mortgage loans, which can be used for loans whether doing business or doing other things.
Extended data:
If you apply for a mortgage or loan, you will have other warrants.
The certificate of other rights refers to the certificate of rights issued by the housing management department and held by the mortgagee after the registration of other rights. Other rights of real estate are the rights of other groups or individuals except the property owner and the owner of * * * *, and the certificate of other rights is held by the owner of other rights.
On the property ownership certificate, there will be a record of the contents of other rights, indicating the obligee of other rights, the type of rights (such as pawning right and mortgage right), the scope of rights (the housing scope of other rights), the value of rights (the rental price of other rights), the term of rights (the lease term) and the date of cancellation (the date when other rights disappear), and these contents will also be indicated on the certificate of other rights.
According to Article 52 of the Guarantee Law, mortgage and secured creditor's rights coexist. When the creditor's rights disappear, so does the mortgage right. The real estate is mortgaged, that is, without canceling other warrants, the right to dispose of the 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.