How can I get a loan without getting the real estate certificate? Analysis of hot topics on the Internet in the past 10 days
Recently, the question of "how to apply for a loan without a real estate certificate" has become a hot topic on social platforms and financial forums. With the adjustment of real estate market policies and the increase in demand for home purchases, many home buyers are faced with the situation that the real estate certificate has not been completed but they are in urgent need of cash flow. This article will combine the hot discussions in the past 10 days on the entire network to provide you with a detailed analysis of the solutions.
1. Popularity data of related topics in the past 10 days
| platform | Amount of related topics | Highest number of reads | keyword frequency |
|---|---|---|---|
| 1,200+ | 5.8 million | Real estate certificate/loan/mortgage | |
| Zhihu | 350+ | 420,000 | Pre-sale housing/mortgage/developer |
| Douyin | 800+ | 12 million | Credit Line/Bridging Program |
| Baidu Tieba | 600+ | 950,000 | Guarantee/contract filing |
2. Comparison of loan options when the real estate certificate has not been processed
| Loan type | Applicable conditions | Quota range | interest rate level | Processing cycle |
|---|---|---|---|---|
| Pre-sale house mortgage loan | Recorded house purchase contract | House price 70%-80% | Baseline +10%-20% | 15-30 working days |
| Developer’s phased guarantee | Developer cooperation | House price 60%-70% | Baseline +15%-25% | 10-20 working days |
| credit loan transition | Good credit record | Within 500,000 | 8%-15% | 3-7 working days |
| Decoration consumer loan | Provide decoration contract | Within 300,000 | 6%-12% | 5-10 working days |
3. Specific operation process guide
1.Pre-sale house mortgage loan: It is necessary to provide the registered "Commercial Housing Sales Contract", down payment voucher, mortgage agreement issued by the developer and other materials. Banks will assess the value of the home and usually require that the project has obtained a pre-sale permit and that construction progress has met specified standards.
2.Developer Guarantee Program: Applicable to off-plan buyers. The developer needs to sign a phased guarantee agreement with the bank and assume joint and several liability before the real estate certificate is issued. This method usually requires additional guarantee fees (approximately 1%-2% of the loan amount).
3.Portfolio Loan Strategy: In recent hot discussions, many financial advisors have suggested adopting a combination of "credit loan + mortgage loan". First use credit loans to meet short-term capital needs (annual interest rate is about 8%-12%), and after the real estate certificate is completed, it will be converted into a mortgage loan (annual interest rate is about 4%-6%).
4. Risk warnings and precautions
| Risk type | Specific performance | Precautions |
|---|---|---|
| Property rights risk | The developer's breach of contract resulted in the inability to apply for the certificate | Verify developer qualifications and project five certificates |
| interest rate risk | Bridging loan costs are too high | Compare 3+ bank products |
| Repayment pressure | Short-term loan repayment pressure | Reserve 20% capital buffer |
| legal risks | Contract terms are unclear | Hire a professional lawyer to review |
5. Latest policy support in 2023
According to a recent notice issued by the Ministry of Housing and Urban-Rural Development, many cities have piloted the reform of "handover of houses upon handing over the certificate", and cities such as Beijing and Shanghai have launched plans to upgrade the supervision of pre-sale funds. Some commercial banks have also launched targeted "property transition loan" products, which can provide transition period financing services for up to 36 months.
Experts suggest that buyers who need a loan during the process of applying for a real estate certificate should give priority to a bank that has a cooperative relationship with the developer, and pay attention to retaining complete purchase certificates and payment records. The latest research shows that the average approval rate for transitional loans processed through formal channels can reach over 78%.
The statistical period of the data in this article is: November 1 to November 10, 2023. The data sources include public discussions on various platforms and information disclosed by financial institutions. For specific loan policies, please refer to the latest regulations of your local bank.
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