Can the loan house be transferred?
Yes, but it must be handled in the form of business. According to the Regulations on the Administration of Urban Real Estate Transfer, the following procedures shall be followed:
1. Sign a written transfer contract; Within 30 days after the signing of the contract, apply to the housing management department where the real estate is located and declare the transaction price with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents;
2. The housing management department shall review the relevant documents provided and make a written reply on whether to accept the application within 15 days;
3. The housing management department shall review the declared transaction price, and conduct on-the-spot investigation and evaluation of the transferred real estate as required; The parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the regulations;
4. The real estate management department issues the transfer order; The parties shall go through the formalities of property right transfer with the transfer form and obtain the certificate of real estate ownership.
What is the transfer process?
1. The seller can go through the formalities of property right transfer after paying off the bank loan and canceling the mortgage. The two sides first reached an agreement on the change of property rights, and then notarized it at the notary office. After the seller pays off the bank loan, the buyer can take out the real estate license from the bank and cancel the mortgage registration procedures. The buyer and the seller are handling the registration of property right change and completing the transfer according to the notarization agreement.
2. The buyer and the seller negotiate and issue a written agreement on the change of house property rights to the bank. This method requires the consent of the bank. If the bank can agree to the change of property rights and the borrower is changed from the seller to the buyer, the bank will issue a certificate and handle the change registration under the condition that the house has been mortgaged. If the bank does not agree to the change, the buyer and the seller need to transfer the ownership according to method 1 Redeem the building from the bank first, that is, pay off the money owed to the bank first If the owner is short of funds, you can ask the guarantee company to redeem the building for you and then transfer the ownership.
3. Redeem the building. The seller looks for a guarantee company to guarantee, then pays off the balance, takes out the real estate license, then goes through the transfer registration, and then the seller repays the guarantee company.
4. Our country's laws do not support signing an agreement to transfer ownership. If buyers and sellers think this way is not good, they can find a reliable intermediary company to deal with it. Buyers and sellers need to pay a certain fee to let the intermediary advance the loan. The seller gets the real estate license, transfers the property to the other party's name, and the buyer mortgages the funds of the intermediary company.