(1) For the full amount of second-hand houses, the fund supervision process is as follows:
1. The buyer and the seller sign the second-hand house sales contract, and the buyer * * * puts forward the demand for handling the transaction fund supervision service;
2. The buyer trades in full, and the money goes directly into the fund supervision account, which is supervised by the bank. At the same time, the Buyer and the Seller sign the Agreement on Fund Supervision between the Buyer and the Seller;
3. The buyer and seller shall go through the formalities of tax payment and transfer;
4. After the transfer procedure is completed, the bank will allocate the payment according to the authorization of the buyer and the seller.
(II) For the second-hand housing mortgage loan, the fund supervision process is as follows:
1. The buyer and the seller sign a house purchase and sale contract, and the buyer * * * puts forward the demand for transaction fund supervision service;
2. The bank reviews the qualifications of the buyer and the seller, and signs a loan-related contract with the buyer;
3. Evaluate the real estate and determine the down payment amount according to the evaluation report;
4. The buyer pays the down payment, and the money goes directly into the fund supervision account, which is supervised by the bank. At the same time, the Buyer and the Seller sign the Agreement on Fund Supervision between the Buyer and the Seller;
5. The buyer and seller shall go through the formalities of tax payment and transfer;
6. After the transfer formalities are completed, the bank pays the down payment according to the instructions of the buyer and the seller;
7. After seeing the seller's title certificate, the bank will pay the balance to the seller.
Advantages of supervision of second-hand housing transaction funds;
1, which is simple and convenient and shortens the time limit.
When registering the transfer of funds, not only all procedures remain unchanged, but also no transaction links are added. After the house certificate is completed, the bank will promptly inform the seller to withdraw money from any nearby savings outlets, which is very convenient and fast.
2. Avoid disputes and guard against risks.
The biggest advantage of fund supervision is that it can avoid disputes between buyers and sellers due to the transfer of house ownership or the delivery of house payment. After the house registration agency accepts the application for the transfer of funds to supervise the buyer and the seller, it will only register and issue certificates after the buyer deposits all the house payment into a special account to ensure that the seller can receive the house payment; If the house cannot be transferred to the buyer's name normally, the house payment will be returned to the buyer to realize the clearing of money, ensure the ownership of the house and prevent financial risks.