There are always many problems in the transfer of second-hand houses. This paper collects and sorts out the knowledge of second-hand housing transfer, mainly introduces the process of second-hand housing transfer, the cost of transfer and the matters needing attention after transfer.
Second-hand housing transfer process
Property transfer refers to the buyer's handling of real estate license and land certificate. Only after the transfer of property rights, the property rights representing the house will be transferred.
After signing the contract, I went to the bank to apply for a loan. After the application was initially approved, the loan procedure just started and the loan did not arrive. Then I went through the formalities of property right transfer, and then I went through the mortgage registration. The bank only issues loans, which means that the loans are received and the loan procedures are all over.
Of course, if the buyer does not need a loan, he can go through the transfer formalities directly after signing the contract.
1, consulting
If you need a loan, before you sign a contract with the seller, you need to consult the bank for loan information, such as your loan amount and whether the bank agrees to lend money.
Step 2 sign a contract
You know a lot about loans, so you can sign a second-hand house sales contract with the seller. After signing the contract, you can apply for a loan at the bank with all the materials stipulated by the bank (the loan process is described in detail in this channel).
Step 3 apply for a loan
You have prepared all the materials required by the bank. At this time, the bank will do a preliminary review. If the bank agrees to your loan, it will ask you to sign the relevant documents and then tell you that they need an internal approval process. At the same time, you can go through the formalities of property right transfer with the seller.
Generally speaking, the bank credit department passed the preliminary examination, and the final approval rate was extremely high.
After signing the contract, I went to the bank to apply for a loan. After the application was initially approved, the loan procedure just started and the loan did not arrive. Then I went through the formalities of property right transfer, and then I went through the mortgage registration. The bank only issues loans, which means that the loans are received and the loan procedures are all over.
4. Transfer of property rights
At the same time of bank approval, you can make an appointment with the seller to go through the formalities of property right transfer. Property transfer procedures mainly refer to the transfer of house warrants and state-owned land certificates. The transfer time of real estate license and land certificate is generally about ten effective working days.
5. Apply for mortgage registration
Go to the bank (such as the guarantee company designated by the provident fund) to handle the relevant mortgage approval and mortgage registration procedures.