From 202 1 1 According to Article 406 of the Civil Code, the mortgagor may transfer the mortgaged property during the mortgage period. At present, the house is still in arrears, and the bank now offers two free trading options. How to transfer a house with a loan perfectly? ?
In the whole transaction process, there are three most common ways of housing loan.
(1) Settle the mortgage. In the past many years, the second-hand housing market could not get rid of it by solving the mortgage loan. First, you should check how much money the bank still owes. After finding the seller to sign the sales contract, he will go to the bank to apply for early repayment and transfer the arrears to the repayment account within the specified time. It takes about 30 working days from obtaining the settlement certificate to going to the local housing authority to release the house. Now that the bank has been upgraded, many areas don't need to go to the local housing authority to release the mortgage, but can directly settle the mortgage at the bank, which has been completed. If the money is not enough, change it. Lack of funds is definitely not lack of money. If you want to repay the debts of the bank, you can borrow short-term money from your family, relatives and friends. After paying off the bank loan, the buyer can return the money to his family after receiving it. Asking the guarantee company to solve the problem is the most popular way in the market at present. On the one hand, you don't need to pay too much money yourself; On the other hand, banks lend faster.
(2) The buyer purchases the house in full. Sellers had better have enough money to buy a house. On the one hand, the seller can borrow the buyer's funds to pay off the mortgage, and then he can choose to transfer the ownership himself. If the buyer is mortgage to buy a house, many buyers are unwilling to repay the seller's loan. Mainly worried that the loan will not come down. Another question is whether the buyer's down payment is enough to repay the money owed by his bank.
(3) Go directly to the bank to refinance. According to the provisions of the Civil Code, the mortgaged house can be transferred (bought or sold) if it is not settled. Just notify the bank in time. The new policy is beneficial to both buyers and sellers. If there is no essential impact on the bank, change a person's name as repayment. This operation mode is more convenient, worry-free and money-saving. Key Tip: If the seller owes the bank 700,000 yuan, according to our normal practice, the house transaction price is 6,543,800 yuan, then the buyer pays 300,000 yuan down payment, but if the transaction price is 6,543,800 yuan, then the buyer pays 500,000 yuan down payment. ?
If the bank's re-mortgage is only part of the debt, the bank will not deal with the remaining funds. In order to solve this problem, I specially consulted the account manager of the bank. He said that the bank has not officially opened this channel, and the details of mortgage transfer have not come out, so I can't give an accurate answer now. Problems that sellers should pay attention to. In the process of second-hand housing transaction, if the seller wants to get the money back quickly, he must cooperate with all the formalities of the buyer and pay taxes through bank mortgage.
As a seller, you should urge the seller to complete the formalities as soon as possible. It often happens that the housing contract has been signed for more than one month or even two months, and the formalities have not been fully completed. The most profound is the contract signed in February 2020, 65438. For various reasons, the buyer didn't sign the bank mortgage contract until February this year. There will be two huge effects on sellers. On the one hand, house prices have gone up, and I feel that the house is losing money. On the other hand, the funds I got were delayed for two months. ?
For property buyers, various new policies may be introduced within two months, but after the New Year, many banks will inform banks not to lend, and the prices assessed by banks will be lowered and the interest rates of banks will be raised. Originally, the interest paid by the first home bank that signed the bank mortgage in June+February last year was 5. 18%, and now the interest paid by the banks that signed it later has reached 5.88%. The guests are still making a scene here, but the matter has been solved and there is no way to change it. Who told him not to cooperate with the formalities as soon as possible?
Personal opinion: Although mortgage can be directly converted into mortgage, this method is still not suitable for the current property market in China, mainly because the house price has gone up, and the proportion of down payment to bank funds cannot meet the normal demand of 30% down payment, so more people choose to repay the mortgage and then choose bank loans. I don't know when it will be fully rolled out. I consulted a number of banks, but I didn't get an accurate reply, and many details were not clear.