Changchun real estate license issuance process?

1. What is the mortgage release process of Changchun Property Certificate?

The issuance of the real estate registration certificate in Changchun needs to be handled at the real estate trading center in the area where the house belongs. To cancel the mortgage, you need to provide the settlement certificate issued by the loan bank, the real estate registration certificate with the word mortgage, the purchase invoice, deed tax, stamp duty and the special fund bill for property maintenance. The buyer can go through the formalities of canceling the mortgage with valid identity documents, which is generally completed within three working days.

Second, how to borrow a house mortgage loan

There are two ways to mortgage a house: one is to go directly to the bank. Meet the following conditions: 1, the house needs to meet the requirements of the bank: under normal circumstances, the bank accepts the real estate with clear property rights within 20 years and can be listed and traded. 2. Credit compliance: The account manager of this bank will help you check your credit status. If the credit is too bad, the bank will not accept it. 3. The repayment ability of the homeowner: You have collateral, but you also have the repayment ability. That is, to have a stable income. For example, if you make a loan with a term of 10 years, the monthly repayment is about 12000. You should have enough ability to repay the monthly payment and ensure your own life. Second, entrust a guarantee company to handle it. The process and conditions are basically the same as those of banks, except that the procedures are run by guarantee companies. Guarantee companies have long-term cooperation with banks, so they have more advantages than individuals in terms of interest rates, processing speed and lending. Of course, customers have to bear a certain service fee. The basic process is as follows: signing a loan contract-housing evaluation-loan approval-mortgage registration of the Construction Committee-lending. Matters needing attention in rental loan: 1. Do you have a good credit record? Banks will pay special attention to the borrower's credit record when approving mortgage loans, and generally choose borrowers with good reputation to cooperate. If you have overdue users for more than three times in a row in two years, or accumulated overdue users for more than six times, then it is estimated that it is difficult for you to apply. 2. Does the mortgaged property have liquidity? Generally speaking, the mortgaged property must have liquidity, otherwise the bank will not accept your application. 3. Do you have enough repayment ability? When approving loans, banks will not only consider whether the borrower's credit record is good, but also examine whether the borrower has sufficient repayment ability. Therefore, if you don't have a stable job, or can't provide proof of income and work, or can't provide bank running water, you will generally be recognized by the bank as a person with worrying repayment ability, and you are not eligible to apply for mortgage loans or even other loans.

Third, how to be in Changchun mortgage to buy a house

If you have a 57-square-meter house with a title certificate and a land certificate, you can apply for a loan. However, since you and your husband are not registered in Changchun, according to the current regulations, you can't buy a house in Changchun. So I suggest that at least one of you, at least move your household registration to Changchun, can buy a house in Changchun. However, this also involves a problem, that is, if you buy this house again, it will be a second suite, and the down payment will be high and the loan interest will be high.

Four, how to mortgage to buy a house in Changchun?

If you have a 57-square-meter house with a title certificate and a land certificate.

Then you can apply for a loan.

But because neither you nor your husband is registered in Changchun.

According to the current regulations.

You two can't buy a house in Changchun.

So I suggest you two, at least one of you, move your hukou to Changchun before you can buy a house in Changchun. However, this also involves a problem, that is, if you buy this house again, it will be a second suite, with high down payment and high loan interest.