With the increasing average market share of primary and secondary buildings, many owners who still hold pre-sale commercial housing sales contracts will also put their houses on the market for second-hand sales for various reasons. Then, when the trading conditions of buyers and sellers are met, how to handle the housing transaction procedures? What problems do these properties need to pay attention to when conducting second-hand transactions? What should both parties pay attention to, whether it is transaction delivery or house mortgage? There are all kinds of questions, and the reporter will answer them by visiting relevant professionals. Can I apply for a provident fund loan if I buy a second-hand house only with the pre-sale commercial housing sales contract? Case: Last month, a couple bought a unit in Haizhu District and signed a contract with the owner. They also applied for a loan of 500,000 yuan from the Provident Fund Center. Recently, after learning about it, they went to the provident fund center to apply for provident fund mortgage with the staff of a mortgage institution. However, when the provident fund center learned that the second-hand house bought by the couple had no real estate license and only had a pre-sale commercial house sales contract, it asked them to issue a certificate that the real estate developer was willing to counter-guarantee, otherwise it would be impossible to apply for provident fund mortgage. Because the couple finally failed to obtain the developer's counter-guarantee certificate, they could not apply for provident fund loans. Why on earth is this? Answer: To this end, the reporter interviewed relevant persons of the Provident Fund Center. They said that in view of the risks, in order to apply for provident fund mortgage for all people who buy second-hand houses with pre-sale commercial housing sales contracts, they must obtain the counter-guarantee of the real estate developer, otherwise they cannot issue provident fund loans, and they have been doing so, but many consumers may not be very clear. Relevant persons of Han Hui Consulting Company also said that in the actual operation process, it is impossible for the vast majority of real estate developers to counter-guarantee the second-hand buyers, so consumers who buy second-hand houses only by pre-selling commercial housing sales contracts are basically unable to apply for provident fund loans. Who will be responsible for the monthly payment during the mortgage period? Case: Miss Yao bought a flat in the Garden Community in Baiyun District six months ago. At that time, she chose the mortgage payment method, paid the down payment, and began to contribute six months ago. Miss Yao suddenly received a notice from the company and arranged for her to go abroad for training for two years. So Miss Yao sold the unit in the Garden Community through an intermediary company. During the transaction, because the buyer, Miss Zheng, also chose the mortgage payment method to purchase the unit, she needed to go through the relevant mortgage procedures in the bank and needed a long time to wait for approval. But the owner has a question: during this transaction, the monthly mortgage fee still needs to be paid by the owner, Miss Yao. Will the fair be postponed indefinitely? How long will it last? Should the buyer be responsible for paying this fee? A: Relevant persons of Hefu Real Estate said that it often takes three months to go through the relevant mortgage transfer procedures, so many consumers have doubts about who will contribute in these three months. In fact, the usual practice of banks is to let the owners repay the mortgage three months in advance, and then the buyers will officially repay the mortgage after renaming. Moreover, the owner should not think that he has lost money, because the bank will make a detailed list when checking out, and will return the principal paid by the mortgage for these three months to the owner, at most, it will lose some interest. Who should pay the house expropriation fee and occupation fee? Case: Two months ago, Xiao Chen found a two-bedroom apartment in a property on Xingang Road through an intermediary company. As the property has not been officially handed over, the owner, Mr. Zhang, only holds the Subscription Book of the property for trading. For fear of fraud, we conducted a special investigation on the background of the developer and the relevant situation of the property, and accompanied by the intermediary company and Mr. Zhang, visited the model house of the unit, and confirmed that the house was handed over two months later before signing a tripartite contract to reach a deal. However, when Xiao Chen received the notice of repossession this month, he was told that he needed to pay a repossession fee of 654.38 million yuan, including gas pipeline installation fee, which exceeded the budget of Xiao Chen. Xiao Chen didn't understand why the intermediary company and Mr. Zhang didn't record this fee in the transaction. What happened? A: Relevant persons of Hefu Real Estate believe that because these pre-sold houses are often not delivered at the time of transaction, who will pay for the repossession and occupation fees has become a concern of many people. After all, it involves the amount of 1 10,000 to 20,000 yuan. In fact, under normal circumstances, the two should be negotiated, but because the new owner will check in later, it is usually the buyer who pays the bill. To say the least, the owners have repossessed the property and paid all the relevant money, but they will add it to the property price accordingly when they sell the house, so as buyers, they should consider this cost in their own purchase budget. Who should pay the house name change fee? Case: Mr. Li sold a three-bedroom apartment under his name through an intermediary company. Because the unit did not formally hand over, he did not apply for the real estate license. Mr. Li issued a subscription book signed with the developer and went through the transaction procedures. When Mr. Li went to the developer to handle the property renaming procedure, he was told that he had to pay the relevant renaming fee for the renaming procedure. Mr. Li believes that he has sold the property and the renaming fee should be paid by the new owner. However, Mr. He, a property buyer, believes that he has not officially owned the property before the transaction formalities are completed, and the renaming fee should be paid by the old owner. Answer: For the houses that only hold the subscription book and the pre-sale contract of commercial housing, there is its particularity in the transaction, that is, it is likely to generate a fee to be paid to the developer. Professionals of Hefu Real Estate reminded that people who hold subscription book transactions can change their names as long as they go through the developer, but it is likely that in the process of renaming, they need to pay the relevant renaming fees to the developer. Some developers don't charge, and some charge 1 1,000 yuan or 3,000 yuan or 5,000 yuan or even 1 1,000 yuan for renaming. Therefore, in the transaction, the owner should ask clearly and inform the buyer, and then the two sides will negotiate on the cost. For the pre-sale commercial housing sales contract that has been inspected, it is necessary to go through the renaming formalities at the Housing Authority, and at the same time, it is necessary to provide the developer's consent to transfer. Therefore, on the basis of the normal second-hand transaction renaming fees such as deed tax, stamp duty and transaction management fee, it is likely to pay the relevant fees to the developer, so the owner should also ask what this fee is and inform the buyer, and the two sides will negotiate again. What if the property is being confirmed? Case: Mr. Wang bought a second-hand building by mortgage. Because it is a pre-sale contract transaction, it is found that the property is being confirmed when the mortgage registration is handled. what should he do ？ A: The professionals of Yida Mortgage Company remind consumers that the transfer notice and deed tax payment certificate (Development Joint) should be handed over to the developer as soon as possible after the transaction is transferred. When it comes to the transfer of ownership by the Pre-sale Commercial Housing Sales Contract, the transaction transfer is generally smooth, but the property is being confirmed and the mortgage registration cannot be handled. At the same time, you must go through the renaming procedure before confirming the right, otherwise you will go through the renaming procedure after the real estate license comes out. In addition, when the industry presides over the auction ruling registration certificate of pre-sale commercial housing, it can also trade in the same way as the pre-sale commercial housing sales contract. How do buyers know whether the house they bought has been confirmed? Case: Miss Chen, a property buyer, knew at the confirmation stage that she could not change her name or apply for mortgage registration, so she was very worried. She wants to ask: how can I know if the property she bought has been confirmed? A: Yida mortgage professionals said that the easiest way is to log on to the website of the Housing Authority and click to enter the "window inquiry case" column. There are four situations that can be inquired, one or two of which are aimed at yishoufang. Enter the "Commodity House Sales Contract Registration Inquiry" and enter the contract number (at the top right of the contract cover) to immediately know whether the contract is "producer", and the page can display the corresponding "pre-sale certificate number" and whether the pre-sale certificate has been "confirmed"! The confirmed pre-sale certificate can be registered without mortgage, but if transfer is needed, it can still be handled as long as the developer is willing to issue a "certificate of consent to transfer". Whether to mortgage can depend on whether there is a square seal on the cover of the contract that says "mortgage has been registered for the record", and if there is, there is a mortgage. What if there is an area difference after handover? Case: Miss Lin bought a set of flowers in a garden of the owner, Mr. Li, through a friend's introduction a year ago, with an area of about 95 square meters. When the developer handled the real estate license, he said that the real estate area was 98 square meters, which was about 3 square meters more than the area marked in the drawings at that time. In other words, Miss Lin has to pay the floor fee corresponding to the area to apply for the real estate license. Miss Lin thinks that the original owner, Mr. Li, should make up the difference. A: Due to construction reasons, there will always be area errors. Hefei real estate professionals said that after the house was renamed, it should generally be borne by the new owner, that is, the buyer. If in some cases, two people can predict the difference in area and quantify it into a certain amount, then they can negotiate how to share the cost.