What happens if the bank urges me to do the real estate license and I don't do it?

If you don't handle it, you will be responsible for the failure to handle the real estate license and related legal consequences.

Without the real estate license, the bank can't handle the mortgage, so it can't receive the mortgage loan.

This is the real estate mortgage loan process:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank face to face;

4. Bank filing and approval;

5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank directly transfers the loan to the account agreed in the contract;

10. The borrower repays the loan principal and interest according to the loan contract.

Extended data:

Personal method of handling real estate license:

1. Confirm that the developer has registered initially.

Initial registration of developers is a necessary prerequisite for their own real estate license. Usually, it takes about 20 to 60 days for the competent department to handle the initial registration.

Therefore, 2-3 months after repossession, you can ask the developer about the initial registration, and stipulate it in the purchase contract, or you can go to the local real estate transaction information website to inquire.

2, to the management department to receive and fill in the "housing (land) ownership registration application form".

After the application form of prospective owner is filled out, the developer needs to sign and seal it. Some developers will have ready-made stamp forms in their hands, and just go to the developers to get them and fill them out.

3, the necessary materials-surveying and mapping (table)

Surveying and mapping table is an important basis for the registration department to determine the area marked on the real estate license, which can be obtained in three ways: opening a business office (with ID card); Housing area measuring station designated by the developer; Or apply to the registration department for surveying and mapping the housing area.

4. Get relevant documents

Collect the necessary application documents, including the purchase contract, the house settlement form, the copy of the big house property certificate, etc. The completed application form needs to be reviewed and sealed by the developer.

5. Pay the public maintenance fund and deed tax to the community office or the designated collecting bank in the area where the real estate is located. As a necessary document for handling the real estate license, the payment voucher must be kept after payment. Once lost, it will affect the acquisition of real estate license.

Phoenix net-increase knowledge! The real estate license processing process can be done in nine steps.