The new house loan is based on the large house property certificate of the whole newly-built community, which does not mean that the monthly payment is equal to the real estate license.
When the real estate is transferred as a second-hand house, in addition to deed tax and stamp duty, it also has to pay business tax and personal income tax of 5.5% of the transaction price. The object of business tax collection is the property that has obtained the real estate license for less than 5 years, and the property that has exceeded 5 years does not need to pay this tax. Personal income tax is levied in different cities, so you'd better ask the local intermediary company. In addition, as a second-hand house with real estate license, there can be no debt when trading, that is to say, the first homeowner must pay off all the money owed to the bank before transfer, which is a hard rule.
If there is no real estate license, it depends on whether the deed tax and other three taxes have been paid.
If it has not been paid, you can go to the developer to change the housing sales contract signed by the first homeowner and the developer. The first homeowner's loan can also be negotiated with the bank to change the loan agreement, and the seller will pay the monthly payment.
If three taxes and fees, such as deed tax, have been paid, then the developer will submit relevant materials to the Housing and Land Administration Bureau. It is no longer feasible to change the original purchase contract, and the transfer can only be carried out after the real estate license comes down. This situation is the most difficult. You can give your friend some money first and ask him to pay back the loan. Both parties can go to the notary office to notarize the sale of houses. The content of the notarial certificate is that you have bought a house and you already have all the rights of this party. You can keep your friend's real estate license when it comes down. You don't need your friend to come forward when the property is transferred. You can transfer directly with a copy of the real estate license, a notarial certificate and a friend's ID card, and you can give the balance to your friend after the transfer.
The above content can almost answer your question, but the transfer methods and materials required in different administrative areas of each city and the same city are different. You'd better ask the housing and land administration and the property transfer unit in the county where the house is located.