Who should the property rights belong to before the mortgage is paid?

I'm in real estate, and I've explained this kind of problem more than n times, haha, I'll solve it for me again!!

First, this title deed is not in the developer, but in the bank, because you are now buying a house with a mortgage, and your property is mortgaged to the bank as a collateral, and when you pay off the loan, the bank will give this back to me!

Second, it seems that there is no mortgage real estate certificate now, there is another right to give up when you apply for the real estate certificate, this let is for mortgage purchase, that is to say, the real estate certificate of your house is in your body, but you do not have the right to mortgage and **, because you have signed a mortgage contract with the bank, and when you pay off the bank's mortgage, you can release the mortgage contract, and your house can be ** or mortgaged, you know, the process of doing property rights is very simple, Take your purchase contract, purchase invoice and deed tax slip to the local construction bureau real estate trading hall to handle it!!

Definitely not, the bank has given the money to the developer, your down payment has been given, and then the mortgage loan bank has approved, at this time the house should be yours, don't you have a purchase invoice when you buy a house, that is evidence, but the real estate certificate may have to move in for a period of time to come down, because the developer here still has part of the payment not paid off to the state, generally 1-2 years to move in there is a certificate, sometimes the construction committee has issued a certificate he has not been divided to the buyer, but even if the certificate is down, It's also for you to show and send it to the bank.

You are mortgaged, and the real estate certificate is to be mortgaged to the bank, and it has nothing to do with the developer, and the real estate certificate can be redeemed after the loan is repaid.

Pay off in take. The bank holds the title deed. I have a purchase invoice in my hand.

Then you will have to fight a lawsuit with the developer.

Hello dear <>

The house is not paid in full and the house is still owned by the developer or seller. In the purchase contract, it is usually stipulated that the buyer must pay the house price within the agreed time, otherwise the developer or the seller has the right to terminate the contract and require the buyer to bear the corresponding liability for breach of contract. At the same time, it is common to stipulate in the sale and purchase contract that the buyer cannot transfer the property until the purchase price has been paid in full.

If the buyer has already paid part of the house price but has not paid the full price of the house, the developer or seller may require the buyer to continue to pay the house price or terminate the contract according to the agreement. If the developer or seller chooses to terminate the contract, the part of the payment will generally be regarded as liquidated damages and will not be refunded. <>

It is possible to re-take out a loan, and your situation is equivalent to a second mortgage

The second mortgage loan means that the borrower applies for a loan from the bank with the real estate legally owned by the borrower or a third party as collateral, but the mortgage loan has not been repaid, and the loan bank pays off in advance and re-applies for a higher amount of loan.

Application conditions for second mortgage easy loan.

1.A natural person who has reached the age of 18 and has full capacity for civil conduct;

2.Have a legal and stable economic income, good credit, and the ability to repay the principal and interest of the loan.

Application materials for second mortgage easy loan.

1.ID card (husband and wife), temporary residence permit (non-local population) 2Hukou (for both husband and wife).

3.Marriage certificate (marriage certificate, divorce certificate, widowhood certificate).

4.Proof of income or solvency (presented by the employer).

5.A copy of the copy of the business license stamped with the official seal of the unit (presented by the unit)6Proof of academic qualifications (college degree or above).

7.Declaration of Consent of Property Owner and Co-owner to Mortgage (Fixed Format)8Title deeds.

9.The original purchase agreement and purchase invoice.

10.Original loan contract.

11.Past monthly payment details and balance statements.

12.Proof of purpose of the loan.

What are the conditions for a house to be mortgaged?

The houses used for the second mortgage should be high-quality housing and commercial housing with great market development potential;

What are the requirements for a home for a second mortgage on a personal home:

It must be an existing house, the house is located in a superior location, convenient transportation, complete supporting facilities, and has a large appreciation potential.

That is to say, as long as you want a second mortgage is a house that you can live in now, after going through the relevant procedures, you can make a second mortgage, and the specific loan amount depends on how much you repay, and the appreciation space of the house can be decided.

Yes, but if you take out a mortgage again, you can't.

It is possible to have a title deed, but other warrants to the property are held by the borrowing structure.

Other rights of real estate refer to the rights of other groups or individuals other than the property owner and co-owners involved in the real estate, usually referring to mortgage rights, and other rights are held by other rights holders. When purchasing a general property, when choosing a mortgage loan, there will be a record of other rights in the house ownership certificate, indicating the owner of other rights, the type of rights (such as pawn rights, mortgage rights, etc.), the scope of rights (the scope of the house of other rights), the value of rights (the deed of other rights**), the duration of the rights (the term of the deed), and the date of cancellation (the date on which the other rights disappear), and these contents are also indicated in the certificate of other rights. According to the Guarantee Law, the property is mortgaged, that is, the other warrants have not been cancelled, the right to dispose of the property is restricted, and legal transactions cannot be carried out without the consent of the mortgagee, and relevant procedures such as property rights transfer cannot be handled.