In fact, according to the current bank credit policy, no matter whether the name of one person or the name of both husband and wife is written on the real estate license, both husband and wife must be present before signing the mortgage, and the credit information of both husband and wife must be checked. Only when the housing management department goes through the formalities of property rights, if one of them is not registered, then there is no need to go through the formalities.
In addition, many laymen think that as long as the name of one spouse is written on the real estate certificate, the other spouse has no real estate, so when buying a house, you can apply for the first suite in your own name without being affected by the second suite, and the interest rate and down payment ratio of the first suite are relatively low.
Buying a house now is actually a family unit. For married couples, no matter how many names are on the real estate license, they belong to the joint property of husband and wife. No matter whether the other party has real estate or mortgage application records, it is considered as the second suite when buying a house, and finally it can only be implemented according to the down payment ratio and mortgage interest rate of the second suite.
Real estate license handling process
1. Submit an application: to apply for the real estate license, you need to apply to the housing management department, and the developer needs to sign and stamp the application form after filling it out. You can ask the developer or intermediary in advance to save the pain of running around.
2. Surveying and mapping: Surveying and mapping table is an important basis for the registration department to determine the area marked on the real estate license, so it is one of the necessary materials. You can apply to the housing area measuring station designated by the developer and get the surveying and mapping table, or you can go directly to the developer with your ID card and apply to the registration department for surveying and mapping the housing area.
3. Pay taxes and fees: Before obtaining the real estate license, you need to pay relevant taxes and fees. Public maintenance funds are generally collected by the community in the area where the property is located. In some cities, banks have begun to collect public maintenance funds. Regarding the payment method, you can ask the staff of the developer.
4. license: you can get a license after completing the above procedures. Be sure to keep the license notice given by the management department and get the real estate license according to the time notified above. In addition, when paying stamp duty, property registration fee and production fee, we should carefully check the records of the real estate license, especially the important information such as area, location, owner's name and ownership status.