Can second hand house transfer after down payment
4hw.com.cn: buying a second-hand house is more complicated than a first-hand house, but one thing is better than a first-hand house, that is, the house takes the house property certificate. Through the mortgage to buy second-hand housing, also paid the down payment, for buyers, of course, is to hope that the house can be transferred to the name of the individual as soon as possible. So the second-hand housing down payment can be transferred?
Can second hand house transfer after down payment?
sure. Most of the second-hand housing intermediary company's guidance process is in hand over the down payment on the day of transfer.
In the current second-hand housing transaction process, the specific process is not absolute, which is freely negotiated by the buyer and the seller. The guidance process of the second-hand housing intermediary company is that after the buyer's mortgage loan application is passed, the house transfer procedures are handled with the bank's notice. Finally, after the new house property certificate is mortgaged to the bank, the bank directly issues the loan to the seller.
Second hand housing transfer process
1. There is no loan between the buyer and the seller: the buyer and the seller agree on a contract signing date; the buyer will pay the down payment to the seller within three working days after signing the general contract; and agree on a time when the real estate enters the trading center. On the day of entering the trading center, the buyer shall pay the seller all the house money except the balance. After 20 working days, get a new house property certificate; with the new house property certificate, handle the property handover procedures, water, electricity, coal and other transfer, and finally pay off the balance to the seller at the time of delivery.
2. The seller has the loan outstanding: the buyer and the seller agree on a contract signing date; within three working days after the general contract is signed, the buyer will pay the down payment to the intermediary company for supervision; the seller, the buyer and the intermediary company jointly witness to pay off the outstanding bank loan of the landlord. Seven working days later, the bank loan is concluded, and the two parties agree on a time when the real estate enters the trading center; on the day of entering the trading center, the buyer pays the seller all the house money except the balance.
After 20 working days, get a new house property certificate; handle the property handover procedures, water, electricity and coal transfer with the new house property certificate; finally, when handing over the house, buy the house and settle the balance to the seller.
3. Buyer's loan for house purchase: first, the buyer's loan amount and credit are reviewed; after the review is correct, both parties reach a sales agreement. The buyer and the seller agree on a contract signing date; the buyer will pay the down payment to the seller within three working days after the general contract is signed; the buyer and the loan company or the bank sign a loan agreement; after the loan review is completed within seven working days, the two parties agree on a time when the real estate enters the trading center; after 20 working days, the buyer will get a new real estate certificate; the buyer will pay the down payment to the seller; The bank will lend money to the seller with the new house property certificate; handle the property handover procedures, water, electricity and coal transfer with the new house property certificate; finally, the buyer will settle the balance to the seller when delivering the house.
4. Both the buyer and the seller have loans: first of all, the buyer's loan amount and credit are reviewed; after the review is correct, both parties reach a sale agreement. The buyer and the seller agree on a contract signing date; within three working days after the general contract is signed, the buyer will pay the down payment to the intermediary company for supervision; the seller, the buyer and the intermediary company jointly witness to pay off the seller's outstanding bank loan; after seven working days, the bank loan is concluded, and the buyer and the loan company or the bank sign a loan agreement; After 7 working days of loan review, the buyer and the seller agree on a time when the real estate enters the trading center; after 20 working days of entering the trading center, the buyer will get a new real estate certificate; the bank will lend money to the seller with the new real estate certificate; handle the property handover procedures, water, electricity and coal transfer with the new real estate certificate; finally, the buyer will settle the balance to the seller when delivering the house.
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