House prices are rising day by day, so people who buy houses now are very cautious. Maybe a careless loss is a lifetime of hard work. So the ownership of the house has also become a problem. The real estate license has also become the basis for everyone's property ownership. But now there is a situation where your name is on the real estate license, but the house is not yours, or half of the property rights do not belong to you. Generally speaking, the house belongs to whoever has the name on the real estate license, but this situation makes us wary again.
For example, many people who need to buy a house need to get a mortgage loan from the bank. The loan amount is very large, which may be hundreds of thousands or even millions of yuan. Then, how can people who earn only a few thousand dollars a month get such a huge loan? In fact, it is through the mortgage of housing property rights that bank loans will be issued. At the same time, you will find that when a bank applies for a mortgage loan, you may sign several contracts, such as a mortgage loan contract and a house mortgage contract, which are interrelated. Only when a mortgage contract is signed can a loan be made.
After your house is mortgaged to the bank, you can't sell it yourself because the property right of the house is temporarily mortgaged to the bank. When an individual can't repay the bank loan every month, the bank will urge the individual to persuade him to be ineffective. The bank will auction the house after confirming that the individual can't repay the real estate loan. Therefore, the real estate license in hand does not mean that the house is named after you. Getting the real estate license doesn't mean it's over. Doing these things well as soon as possible will save a lot of trouble.
Check the information on the real estate license first to see if there are any mistakes or omissions.
The real estate license can explain the basic situation of the house and prove who the house belongs to. Therefore, there can be no mistakes. The information on the real estate license comes from the system. If the information on the real estate license is wrong, the system information may also be wrong, so check it out. It is very important to check your information carefully. If the information is wrong, you should be careful that your house becomes someone else's.
If all these basic information are wrong, it will be difficult to sell the house, because you can't prove that the house is yours. If there is any mistake, the owner needs to find the real estate bureau to modify the information. If the time for handling the property right certificate is not long, it is relatively simple. If more than ten years or even twenty years have passed, it may not be so easy to find the relevant units to change information.
Secondly, register the property right mortgage in time and confirm the issuance of bank loans.
As mentioned above, if you are in mortgage to buy a house, your house needs to be mortgaged to the bank. If it is a futures house, although the bank has issued a loan, the house has been officially mortgaged to the bank. However, after obtaining the property right certificate, in order to ensure the orderly progress of personal mortgage loans and reduce the risks of banks, it is still necessary to re-apply for mortgage procedures. Now there are many places where you can complete the mortgage without going to the bank to get the real estate license. This process is simpler, and naturally you don't need to worry so much.
Finally, you should keep all the bills related to it.
Nowadays, many people use the real estate license to decide the ownership of the house, but many people think that as long as they have the real estate license, any other bills can be discarded directly. Actually, it's not. When handling the real estate license, the deed tax invoice must be kept well. Although I said I was useless, I need a deed tax invoice to sell the house in the future, otherwise the buyer will have to pay more taxes and fees, and no one will want to, which will also make it difficult to change hands. These bills are lost and need to be reissued in many units. This process is troublesome.
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