Buying a house is a major event in life, and for many people, getting the real estate certificate means that the house is finally their own, and they can live in it with peace of mind and enjoy the happiness of their new home.
But, you know what?After getting the title deed, there are some important things that you can't forget, otherwise it may bring you trouble and losses in the later stage.
Below, let's take a look at the 3 things you need to do after getting the title deed, as well as some other precautions.
First, it is necessary to apply for housing surveying and mapping in a timely manner
Housing surveying and mapping refers to the work of field measurement and recording of the area, structure, and location of the house, which is the basis and basis of housing registration. The results of housing surveying and mapping will affect the value of the house, taxes, property management, etc., so after getting the real estate certificate, you must apply for housing surveying and mapping in time to ensure the true situation and ownership relationship of the house.
The application process for home mapping generally goes like this:
First of all, you need to go to the local housing management department or housing registration center, fill out the application form, and submit relevant materials, such as real estate certificate, ID card, purchase contract, etc.;
Then, you need to wait for the housing management department or the housing registration center to arrange a professional surveyor to come to the house to carry out the surveying;
Finally, you need to go to the housing management department or housing registration center within the specified time to receive the surveying and mapping report, and go through the housing registration or change registration according to the content of the report.
The application fee and time for home surveying vary from place to place, generally ranging from a few hundred yuan to several thousand yuan, and it can take anywhere from a few days to several months. Depending on your area, you can check with your local housing authority or housing registration center for specific information.
Second, it is necessary to go through the procedures for the release of the house mortgage in time
If you buy a house through a loan, then, your house is mortgaged by a bank or other financial institution before the loan is paid off, that is, your house is not completely yours, and you cannot dispose of it at will, such as renting, gifting, etc.
Therefore, after getting the real estate certificate, you should go through the mortgage release procedures in time to completely remove the rights of the bank or other financial institutions to your house and make your house truly your private property.
The process of mortgage release is generally as follows:
First of all, you need to go to your loan bank or other financial institution to apply for early repayment and pay the corresponding fees and interest
Then, you need to wait for the loan bank or other financial institution to issue a proof of repayment and a certificate of cancellation of mortgage
Finally, you need to take these certificates to the housing management department or housing registration center to register the mortgage release.
The cost and time of the mortgage release procedure also vary from place to place, generally ranging from a few hundred yuan to several thousand yuan, and it can take anywhere from a few days to several months.
Depending on your area, you can check with your local lender or other financial institution, as well as the housing authority or housing registration center, for specific information.
3. Properly handle the issue of co-property owners
If your house is purchased jointly with someone else, then your house has a co-owner, that is, your house is not only yours, but also someone else's, and you cannot unilaterally decide the use, disposal, inheritance, etc. of the house. Therefore, after getting the title deed, you need to properly deal with the problems of the co-owners to avoid disputes and losses in the future.
There are two main types of co-ownership issues: one is joint ownership and the other is non-husband and wife.
4. In addition, there are the following precautions
After getting the real estate certificate, in addition to doing the above 3 things, you also need to pay attention to the following details to avoid unnecessary troubles and losses to yourself.
1. After the house is surveyed and mapped, the property will be refunded and the property will be refunded and compensated
The results of the house survey and mapping may be different from the area agreed in the contract when you buy the house, in this case, you need to settle the overpayment and underpayment with the property according to the terms of the contract.
Generally speaking, if the actual area of the house is larger than the area agreed in the contract, then you need to pay the difference to the propertyIf the actual area of the house is smaller than the area agreed in the contract, then the property will need to refund the difference to you. You need to ask the property to issue the corresponding receipts or vouchers at the time of settlement for later use.
2. At the same time, after having the real estate certificate, it is necessary to handle the migration of household registration in time
If you plan to move your hukou to your new house, then you need to go to the local public security department in time to go through the procedures for moving your hukou after getting the property ownership certificate. You will need to bring the following documents: real estate certificate, ID card, household register, marriage certificate (if any), relocation application form, etc.
You need to note that different regions may have different policies and conditions for hukou migration, and you need to understand them in advance to avoid delaying time and energy.
3. The purchase contract and mortgage contract should be kept in time
After getting the real estate certificate, you may feel that the purchase contract, mortgage contract and other documents are useless, but these documents are actually your important legal documents, and you need to keep them properly just in case.
For example, if there is a quality problem with your house, or there is a dispute with your mortgage, or your house involves inheritance or gift, you need to use these documents to prove your rights and obligations. So, you'd better keep these documents in a safe place or scan them into electronic copies and save them in the cloud in case you need them.
Write at the end
After getting the title deed, you may feel happy and relaxed, however, you must not forget that there are still some important things that you need to do to protect the rights and interests of your house and avoid troubles and losses in the future.
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