1. The disadvantage of two real estate licenses for one suite is that if you buy a house again, it may become a third suite, which has a great impact on cities with restricted purchases, including loans and the conditions for buying a house.

2. In addition, there are two real estate licenses for double-family houses. Because many cities have strict requirements for loans for second homes, and many cities are still in the policy of restricting purchases and loans, if there is only one house, there are two real estate licenses. The bank is considered to have two houses. If the family wants to buy a house loan, the down payment ratio will increase and the loan amount will be limited.

what is the process of handling the real estate license

1. Initial registration of the real estate license process: the developer's initial registration is a necessary prerequisite for his own real estate license process. According to the regulations, real estate development enterprises should submit the materials needed for the real estate license to the real estate department where the house is located within 6 days from the date of delivery of the commercial house. Usually, it takes about 2 to 6 days for the competent department to handle the initial registration. Therefore, two or three months after the house is closed, you can ask the developer about the initial registration, or you can go to the local real estate transaction information website to inquire.

2. Fill in the application form for the real estate license process: the developer needs to sign and seal the application form after filling it out. Some developers will have ready-made stamped forms in their hands, just go to the developer to collect and fill them out. You can ask the developer in advance in which department the real estate license should be handled, and then consult the department directly, saving the pain of running around.

3. Take the mapping/table in the process of handling the real estate license: As the mapping table is an important basis for the registration department to determine the area marked on the real estate license, it is one of the necessary materials. You can apply to the housing area measurement station designated by the developer and get the surveying and mapping form, or you can take your ID card directly to the developer and apply to the registration department for surveying and mapping the housing area.

4. Obtain relevant documents in the process of handling the real estate license: When you ask the relevant departments in advance, you must make clear what necessary application documents need to be obtained, and complete them at one time. These documents include the purchase contract, the house settlement form, and the copy of the big house property certificate. The completed application form needs to be reviewed and sealed by the developer.

5. Pay the maintenance fund for the real estate license process. Deed tax: The maintenance fund for the public is generally collected by the community office in the area where the real estate is located. In some cities, banks have started to collect the maintenance fund for the public. Please ask the staff of the developer for the payment method. It should be noted that the payment voucher must be kept whether it is collected by the community office or collected by the bank. The payment voucher of these two funds is a necessary document for handling the real estate license, and once it is lost, it will affect the acquisition of the real estate license.

6. Get the real estate license according to the specified time in the process of handling the real estate license: Be sure to keep the notice of getting the certificate given by the management department and get the real estate license according to the time notified above. In addition, when paying stamp duty, property right registration fee and production fee, it is necessary to carefully check the records of the real estate license, especially the important information such as area, location, owner's name and ownership status.