Who loaned the house and real estate license?

Who borrowed the real estate license and whose name is it? What is the process of buying a house with a loan?

Nowadays, in order to have a home of their own, many people will choose to buy a house with a loan, and the current house price is getting higher every day. Buying a house with a loan means that one person is the repayment person, so when handling the real estate license, everyone wants to write his name.

Nowadays, in order to have a home of their own, many people will choose to buy a house with a loan, and the current house price is getting higher every day. Buying a house with a loan means that a person is the repayment person. Then when we apply for the real estate license, everyone wants to write their own names. Is it the name of the person who borrowed the real estate license? What is the process of buying a house with a loan? Let me introduce it to you.

Is it the name of the person who borrowed the real estate license?

The name of the house to borrow a loan is not necessarily written by who, it depends. For example, if the property buyer is a borrower, then the property buyer himself must meet all the loan conditions before he can buy a house and make a loan in his own name. The real estate license is the lender's name. Another situation is that the property buyers themselves do not meet the loan conditions of the bank and choose to assist in repayment, but the name on the real estate license is the buyer rather than the borrower.

What is the process of buying a house with a loan?

1. Asking about the qualifications for buying a house: Before buying a house, buyers must first know whether they meet the local conditions for buying a house, especially friends who want to buy a house in these big cities. If they are not qualified to buy a house locally, they can't apply for a loan to buy a house. Generally speaking, buyers with local hukou can buy the first suite locally, and some cities will require buyers with foreign hukou to pay social security.

2. Estimate the funds for buying a house: you don't have to prepare a down payment to buy a house with a loan. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures. Before buying a house, everyone should have thought about what kind of house to buy, and have some understanding of the down payment required for buying a house with a loan, but we must not ignore other expenses such as taxes, maintenance funds, property fees and decoration fees in the later period.

3. Looking at the house and choosing a house: Buyers should follow a principle when looking at the house and choosing a house, that is, what suits them is right. When choosing a house, they should determine the location according to their own living and working scope, and pay attention to various aspects such as apartment type, floor and environment. In addition, buyers need to know more about the developers and whether the real estate developed and built by the developers is supported by banks, because some real estate projects may not be able to apply for loans.

4. Pay the down payment and sign the contract: Although most buyers will pay the down payment after choosing a house, the down payment is voluntary and buyers can choose not to pay it. After the buyer chooses the house, it is time to pay the down payment and sign the contract. I believe everyone knows the importance of the purchase contract, so when signing the purchase contract, the buyer must pay attention to whether the content is perfect or not, whether there are controversial places, including the division of responsibilities after delivery and the handling methods of emergencies.

5. Handling mortgage procedures: After the house purchase contract is signed, the buyers can go to the bank to handle mortgage procedures with the information prepared in advance. There are generally two kinds of mortgage loans: provident fund loans and commercial loans. If property buyers meet the conditions of provident fund loans, it is naturally good and can save a lot of interest expenses. But there are many restrictions on provident fund loans. If they don't meet the requirements, they don't have to be forced. Property buyers should choose their own way according to their actual situation.

6. Delivery: If you buy an auction house, you usually have to wait a year or two to collect the house. If you buy an existing house, you can usually hand it over in a short time. When handing over the house, buyers must carefully check every corner of the room, fill in the house inspection report item by item, and communicate with the developer in time when problems are found.

After reading the above words, you should know what is the name of the person who borrows the real estate license and what is the process of lending to buy a house. Whoever borrows money does not have to write a name, mainly depending on the conditions of the buyers themselves. For buying a house with a loan, we must first understand the qualifications for buying a house, and then understand the use of funds, as well as looking at the house, choosing a house, signing a contract, handling relevant procedures and so on.

Who buys a house and pays the loan now? Do I have to write the borrower's name on the real estate license in the future?

No need, there are two kinds of housing loans:

1. The buyer is the borrower.

The purchaser himself meets all the conditions of the loan, and can use his own name to purchase a house and make a loan. The name on the property certificate is the name of the purchaser himself and the name of the lender.

2. The buyer is not the borrower.

The buyer himself does not meet the requirements of bank loan, including that the buyer is a minor, or although the buyer is an adult, his economic income and other indicators do not meet the requirements of bank loan. At this time, there can be auxiliary borrowers, parents or others of property buyers, and the bank will approve such loans as long as they meet the loan conditions of the bank and are willing to be borrowers of property buyers. At this time, the name on the real estate license may not be the borrower's name, but the name of the purchaser himself.

Is the name written on the real estate license the same as the loan?

At present, the state does not stipulate that anyone who borrows money to buy a house must write his name. For example, you can write your parents' names when you get a loan, and then you can write your children's names on the real estate license.

Legal basis:

"People's Republic of China (PRC) City Real Estate Management Law"

Article 60 The state practices a system of registration and certification of land use rights and house ownership.

Article 61 Anyone who obtains the land use right by means of transfer or allocation shall apply to the land administration department of the local people's government at or above the county level for registration. After verification by the land administration department of the local people's government at or above the county level, the land use right certificate shall be issued by the people's government at the same level. If the real estate development obtained according to law needs to complete the house, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall issue the house ownership certificate. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.

Whose name is the loan written on the real estate license?

Who borrowed the name of the house, not necessarily who wrote it.

It still depends. For example, if the buyer is a borrower, then the buyer must meet all the conditions of the loan before he can buy a house and borrow in his own name. The real estate license is the lender's name. Another situation is that the property buyers themselves do not meet the loan conditions of the bank and choose to assist in repayment, but the name on the real estate license is the buyer rather than the borrower.

The process of buying a house with a loan

1. Asking about the qualifications for buying a house: Before buying a house, buyers must first know whether they meet the local conditions for buying a house, especially friends who want to buy a house in these big cities. If you don't have the qualification to buy a house locally, you can't apply for a loan to buy a house Generally speaking, buyers with local hukou can buy the first suite locally, and some cities will require buyers with foreign hukou to pay social security.

2. Estimate the funds for buying a house: you don't have to prepare a down payment to buy a house with a loan. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures. Before buying a house, everyone should have thought about what kind of house to buy, and have some understanding of the down payment required for buying a house with a loan, but we must not ignore other expenses such as taxes, maintenance funds, property fees and decoration fees in the later period.

3. Looking at the house and choosing a house: Buyers should follow a principle when looking at the house and choosing a house, that is, what suits them is the best. When choosing a house, they should determine the location according to their own living and working scope, and pay attention to various aspects such as apartment type, floor and environment. In addition, buyers need to know more about the developers and whether the real estate developed and built by the developers is supported by banks, because some real estate projects may not be able to apply for loans.

Is the name of the borrower written on the property certificate?

The name on the real estate license is determined according to the name on the purchase contract. Generally, when applying for a loan, it must be handled by the person on the purchase contract. If there are buyers, even if the main lender is determined when applying for a loan, all buyers in the purchase contract will still be written on the real estate license.

* * * Select the main lender of the housing loan.

1. The main lender should choose people who are qualified for the first loan. More than 40 cities across the country have introduced various policies to restrict purchases and loans, and the bank's mortgage interest rate is also increasing. Therefore, when we choose the main lender, we should choose the person who is qualified for the first loan.

2. The main lender should choose the party with higher and stable income, which is convenient for lending a higher amount.

Generally speaking, the purpose of a husband and wife * * * having a loan is to reduce the repayment pressure on the one hand, and it is difficult to obtain a bank loan only by one party's qualification on the other hand, so they will choose * * * to have a loan.

It is suggested that the main lender choose the party with higher and stable income, which is convenient for lending a higher amount. Because the main lender's income is high and stable, the bank believes that it has strong repayment ability and it is easier to approve loans when lending.

3. The main lender should choose the younger one, which is convenient for the lender to borrow for a longer time. According to the regulations of most banks on personal loans, the age limit for loans in China is 18 years old and under 65 years old. Therefore, the younger the main lender, the longer the loan period can be obtained. I have been engaged in buying and selling second-hand houses around Haining for many years. For more real estate information, please add personal WeChat1836761162. The government website is abbreviated as 734 162.

4. Choose the party with better credit information. It must be clear that since both husband and wife will handle the mortgage on a family basis, as long as one party has problems with credit information, it will affect the mortgage approval. But the difference is that there is something wrong with the credit record of the main lender, and the bank will definitely not accept the loan application. Even if it is acceptable, the loan amount and interest rate will be affected.

If the party with good credit information is selected as the main lender, the secondary lender needs to pay off the arrears and overdue fine before shenqing. Although the loan amount and interest rate will also be affected, due to the good credit information of the main lender, the loan approval rate can be improved.

Let's talk about the introduction of mortgage house and real estate license first.