1, the transfer of second-hand houses is still complicated, but as long as the information is ready, it is not a big problem, and generally all the procedures can be completed in one day.
2. First, both buyers and sellers should prepare two copies of ID card and household registration book. Of course, in addition to the copy, the buyer should also provide some proof of whether there is a room and a marriage certificate.
3. After the buyers and sellers prepare these materials, they go to the real estate transaction center in the district where the house is located, that is, the real estate bureau, to handle related business.
4. First, take these materials to the house pre-examination window. This window is dedicated to pre-trial. After you provide the information, we will conduct a pre-inspection.
5. After the house pre-examination, go to the house evaluation window. This window is used to evaluate the price of your house. This evaluation price is not the price of buying a house and selling a house.
6. Under normal circumstances, the appraisal price is generally lower than the transaction price, and the appraisal of the house value is not free. He will charge you an appraisal fee in proportion to the appraised value of the house.
7. After the house evaluation, go to the household registration window to check whether there is any real estate under your name, and then pay the house deed tax. After the house deed tax is paid, it is the process of signing the house book.
What is the second-hand housing mortgage transfer process?
1. The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.
2. According to the agreed time, the real estate appraisal agency will go to the Property Office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.
3. Banks should examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and loan term according to the assessed house price and comprehensive lender qualification. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days.
4. After approval, the buyer shall pay the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.
5. After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.
Second-hand houses are relatively cheap and have many living functions, which is the main reason why many owners choose second-hand houses. If you buy a second-hand house, you must be cautious. Be sure to look at the house property certificate and land certificate. Only in this way can we avoid being cheated and do a good job in the details of housing sales.