Why does the real estate license give the property?

After the owner has bought a house, signed a contract, paid the house purchase price or applied for a mortgage loan, it does not mean the end of the transaction, on the contrary, it is only the beginning of contract performance. It means that you placed an order and paid for it, but you didn't receive the subject matter of the order-the house. Just as the buyer of the commercial housing sales contract, he has fulfilled his obligations, while the obligations of the developer have just begun. Developers need to continue to build houses, complete civil engineering, installation engineering and decoration engineering in turn, and handle the completion acceptance to ensure the quality of houses is qualified.

In addition, the developer should assist the owner to complete the registration of real estate. During the warranty period of the house quality agreed in the contract, you also need to bear the warranty responsibility. The developer's contractual obligations will not be fulfilled until the relevant procedures stipulated by laws and regulations are completed and the house has passed the warranty period.

In view of the fact that the quality warranty period of the main structure and foundation works of the house is 50 years, the contract obligation of the developer needs to last for 50 years in theory.

Why don't loan banks participate in real estate licenses?

The buyer borrows money to buy a house and signs a tripartite contract with the bank and the developer. As the payer of the loan, the bank is concerned about ensuring that the loan can be recovered normally. To this end, the loan contract is accompanied by a guarantee clause. In fact, this loan contract itself belongs to the loan contract of guarantee responsibility. Before the housing property certificate is completed, the developer will provide the guarantee responsibility. During this period, if the lender is unable to repay, the developer needs to bear joint and several repayment responsibilities; After the house property right certificate is completed, the mortgage of the house property is handed over to the bank, and the developer's guarantee responsibility is lifted.

It can be seen that banks actually don't need to care about whether or not they can apply for property certificates and when they can do so. Because the developer's guarantee responsibility has always existed before the housing property right certificate is completed. For banks, there is no risk as long as there is guarantee responsibility. Therefore, banks will not intervene in the handling of real estate licenses.

Only after the real estate license is completed, the bank will step in, set the mortgage with the real estate license and obtain other warrants. What is left is that the lender repays the loan on time.

Why do owners need the cooperation of developers to handle real estate licenses?

According to the law, the transfer of real estate projects must obtain real estate rights.

As we all know, the right to use the construction land of real estate development projects is obtained by the developers by paying the land transfer fee. The whole project is also invested and built by developers. Therefore, after the project is completed and accepted, the ownership of the whole project belongs to the developer.

According to the "Urban Real Estate Management Law", this project must be initially registered, and the real estate ownership certificate can be obtained before it can be sold to consumers. The land use right holder of the State-owned Land Use Certificate handled in the early stage is also a developer. Therefore, after the completion of acceptance, developers need to register real estate first (also known as the first registration of real estate).

The initial registration of the developer's real estate is that the owner handles the house property certificate.