Is the mortgage unfinished house your own pre property?

The promulgation of the Interpretation of the Marriage Law (III) has given some couples the urge to add names to their real estate certificates. On the 23rd, the Nanjing Local Taxation Bureau began to levy a 3% deed tax on the addition of the name of the pre-marital house ownership certificate, and millions of real estate must be taxed.

On the 24th, the reporter learned from the Jinan Municipal Housing Management Bureau, the Local Taxation Bureau and other departments that at present, Jinan City has the same procedures for adding names to the real estate certificate, and can take the form of "marital property analysis" to add "co-owner" to the property right certificate, without paying deed tax, only paying a fee of 90 yuan.

Housing management department: To do "marital property analysis", the loan must be paid off first.

One party buys a house before marriage, and the other party has to add his name to the property right certificate after marriage, this business is 'marital property separation', and the husband and wife add co-owners of the house. The person in charge said that there are also conditions for handling this business, provided that the house is not in a state of restriction of rights, such as real estate in the state of mortgage, seizure, freezing, etc.

Nowadays, most couples choose to take out a loan to buy a house, and couples have to pay off the loan before handling this business. The person in charge said that under the premise of "having a house without a loan", the procedures are also very simple, and the husband and wife only need to bring their ID cards, marriage certificates, household registration books and other documents, and pay a handling fee of 80 yuan and a cost of 10 yuan.

The property is owned by the mortgagor, but the bank is the real owner of the house until the mortgage is paid off.

At present, most banks will take the real estate certificate to the real estate bureau for mortgage registration after the real estate certificate is issued, and the mortgage registration seal will be stamped in the column of "Creation of Other Rights" on the inner page of the real estate certificate, and the original real estate certificate will be returned to the lender. Some banks take the initiative to repay the title deeds, while others repay the title deeds at the request of the lender.

Cancellation of mortgage registration after the loan is repaid. Some banks still retain the original title certificate until the loan is repaid. The time to take out a loan to buy a house and get the property right certificate is the same as the time to get the property right certificate for a one-time payment, but there is an additional "other warrant" in the bank, and there is a column on your property right certificate"This property is mortgaged"After you pay off the bank loan, go to the bank and ask the bank to issue one"Proof of loan settlement", the bank will return the "other warrants" to you, and you take it"Proof of loan settlement"and the "Other Warrants" to the real estate management bureau to which the property rights belong, handle the mortgage cancellation, and at the same time reprint a new real estate certificate, but there is no above"This property is mortgaged"The words of the full title house.

The title to the house is yours! But the bank is the real owner of the house until the mortgage is paid off!

If you're asking about the "property right" of the house, the friend is right: "The property is yours, but the bank is the real owner until the mortgage is paid off"!

The title should be "property rights", not "prenatal", which refers to the pregnant woman before she gives birth to a child.

Not exactly, it's only completely after the loan is replaced.

Yes! But your house is also mortgaged in the bank.

mortgage terms; Your house has complete procedures, real estate deeds, tax certificates, and land certificates. The housing period cannot exceed 20 years, and the area cannot be less than 50 square meters. There can be no other collateral, and the loan must be repaid.

It cannot be a small property or public housing, and the loan applicant is not more than 60 years old for men and 55 years old for women.

Required materials, three housing certificates, and a reason for the loan. Proof of your income. ID card, household registration booklet. If there is a spouse or other co-owner, they are also required to bring their ID cards to sign together. and your marriage certificate.

The specific interest depends on the length of your loan, and you need to negotiate with the bank where you are borrowing.

I recommend going directly to the bank, the bigger the better, run a few more banks, and you'll know.

As long as you have the real estate certificate, you can go to the bank and ask for it.

It depends on how you choose. If the time is longer, the monthly repayment will be less. Short repayment time.

You can choose from different types of bank loans and repayment methods for different tenors.

No. The mortgage must be completed in full to close the mortgage.

You can take out a loan or get a large credit card. Depending on the size of the house, you can apply for a large credit card of up to 300,000 yuan.

1. The house that has been loaned can also be used as a personal property certificate to apply for a credit card.

2. Remarks: 1, the credit card generally only needs to provide personal identity and work certificate 2, the applicant provides financial proof, which can help the applicant to obtain a higher limit when applying for a credit card 3, although the house has been loaned, but the ownership of the house is still your own for the time being, which belongs to your personal property.

Credit cards are rated as low, medium, and high, and the card with a high limit depends on your fixed assets, such as cars, houses (market value), and work conditions. Liabilities.

Absolutely. As long as the property is yours.

The developer can't sell it anymore, but, at present, the house still belongs to the bank (you have a loan), if you can pay off the mortgage on time, at that time, the house really belongs to your name, if you can't pay it back, sorry, the house will be repossessed by the bank Low debt, then the money and goods are empty. It's useless to complain, although at the moment you are nominally living there, but in fact you are renting a house (the landlord is the bank). **Score adoption recommendation, thank you.

Yes, in fact, when there was no mortgage before the loan, the online registration was carried out, and from then on, the developer could not sell more than one house.

The purpose of the mortgage is not to make a house purchase, you can only find a way to bypass the circle, not let the supervision come out, and take the cash to buy the house below you.

It is allowed by policy, because your house belongs to the self-occupied type, and the façade house belongs to the commercial loan, and the two are not related, but the general bank has a stricter review.

Of course it's your own, but if the bank has the right to sell your house for a specified period of time, you can't apply for a mortgage loan, but you can apply for 45 times that, I can help you, I have someone I know.

Hello, after your house loan just can't buy and sell, the rest does not affect.

You have applied for a loan from the bank, but the bank will only lend you a part of it, and the title deed is still your own, so you can live in it, but you can no longer apply for a mortgage loan.

First, the bank currently recognizes the mortgage on a family basis, so if the key is whether your account is with your parents. If together, it's a family. It will be calculated based on the policy of second home.

Second, I don't know what city you're in. There are some subtle differences in the implementation standards of each city's policy, in Wuhan, if the family already has a house, then it is forbidden to buy a house in the city center, not a question of whether to give a loan or not to raise interest rates, but even if you buy a house, you will not file it at all!

Look whose name is written.

If it's in the name of the parents and the parents don't have the property in their name.

It's not counting 2 sets.

Implement preferential interest rate policies.

Otherwise, it counts as 2 sets of multiple interest rates.

As long as you buy a house in your parents' name, if they don't have a house, it's your first home, but you have to divide it first.

Although the trend of housing prices is upward, there is a premise that the process of urbanization continues. If one day the country finds that the problem of urbanization affects economic development, and the disadvantages outweigh the benefits, and suddenly announces the cessation of urbanization, housing prices will be **. In addition, the property tax is gradually implemented, and if the economy is not a problem, start early.