Living in the Oriental Garden has the real estate license of the Municipal Housing Authority. Why can't I mortgage in the bank?

1. Can the real estate certificate be mortgaged?

Property mortgage loan, whether the property right should be taken to the bank depends on the situation.

1. If you apply for a mortgage loan in a bank, it depends on the local mortgage department. In some cities, the mortgage department will take back the original real estate license, then issue a mortgage certificate to the bank, and then go to the mortgage department to cancel the mortgage when repaying, and then return the original. In addition, some city mortgage departments will not accept the original real estate license, but will indicate in the remarks column of the original that the property has been mortgaged to a bank on a certain day, and the original will be returned to you, and a certificate of other rights will be issued to the bank.

2. If you take a private financing loan, the private financing creditor will generally take it to the mortgage department for mortgage procedures before lending it to you, which is the same as the bank's procedure. I believe that private financing loans will not only collect your real estate license without going through the mortgage registration procedures, but also report the loss of the real estate license, and only collect the real estate license without going through the relevant registration procedures, so there is no priority to dispose of the mortgaged property.

2. Can the real estate license be mortgaged in the bank?

1, the real estate license can be taken out by mortgage in the bank. Generally speaking, in the purchase contract signed by the buyer and the developer, it will be agreed that the real estate license will be handled by the developer.

2. Property buyers need to prepare relevant materials for real estate license, such as purchase contract, purchase price, identity documents, household registration book, and house ownership certificate.

3. It should be noted that the house ownership certificate is an important document, which can be obtained by the buyers from the developers, and its function is equivalent to the real estate license.

4. Because the house involves loans, an additional procedure is needed-renewing other warrants. As evidence that the buyer mortgaged the house to the bank, other warrants shall be kept by the bank.

5. It is necessary to make an appointment with the bank staff to renew other warrants, because other warrants cannot be handled by the house owner. After all the above matters are done, the buyers can get the real estate license.

Third, how to transfer the real estate license

The transfer of real estate license refers to the act of obtaining real estate through transfer, sale, gift and inheritance. And go to the real estate registration center to handle the real estate transfer procedures.

Generally speaking, the most common transfer of real estate license is mainly through sale or gift. If the parties change the name of the real estate license by buying, selling or giving, they can submit the purchase and sale contract or the gift contract and other materials to the real estate registration center where the real estate is located, and go to the tax window for tax review. After paying taxes according to law, you can go through the transfer procedures.