Many people who work in the city want to buy a house of their own. The amount of money spent on buying a house is their whole life's hard work. Because of the problem of money, some people will choose to buy a second-hand house. Second hand housing is not like new housing, there are many things we need to consider, second-hand housing transfer what process? Second hand house transfer process at a glance.
First, face sign.
After signing the second-hand house sales contract, if you want to borrow money, you need to take the relevant certificates required by the bank on both sides of the transaction and go to the bank outlet to sign the loan contract issued by the bank. After 7-10 working days, you can handle the bank loan.
2、 Jiaogongwei, listing and online signing
In the process of waiting for loan approval, handle the payment of public repair fund, listing and public announcement, and online signing. It is worth noting that the order of the three is to hand in the public security first, then list, and then sign the contract online. If both sides of the transaction are self clinch a deal, go directly to the real estate transaction center for processing; if both sides of the transaction are transacted through an intermediary, then the corresponding intermediary agency can act as an agent, but it is necessary to negotiate whether the rated payment is required in advance.
The buyer first requests the second-hand house loan from the bank. After reviewing the information on both sides, the bank issues the loan approval letter and agrees to the loan. Then the bank issues the mortgage contract before the transfer.
4、 Transfer tax
After the bank approves the loan, it can go through the transfer formalities, and generally pay the tax on the same day. Both the buyer and the seller as well as the bank staff are required to be present and take relevant certificates. The real estate transaction center will take back the original real estate certificate, issue the receipt, and then carry the receipt and relevant documents for tax reduction and exemption to pay tax.
Five, take the card
The real estate and other certificate property rights can only be retrieved from the real estate trading center after the second level approval. The property right shall be obtained from the real estate certificate with the receipt and ID card, and the bank staff shall obtain the mortgage certificate, i.e. other certificate.
Six. Hand in hand
After obtaining the real estate certificate, you can handle the delivery of the property, that is, the delivery of the house. When handling the property handover, the Seller shall settle the fees for water, electricity, coal, cable TV, broadband, telephone, heat supply, property, etc., and then handle the renaming procedures on both sides. In addition to cable TV card demand by the seller cooperation, other documents by the buyer with real estate card and ID card can be processed. The most important thing is to take the real estate card and ID card to the local police station where the house is located to verify whether the seller's account has been moved out. If not, a deposit should be reserved for the account to move out.
Seven, lending
The last step is lending. After the bank obtains other warrants, it will lend money to the seller within 5-10 working days and consult the borrowing bank at any time. So far, the whole process of loan and house purchase has been completed. Compared with borrowing to buy a house, buying a house in full amount is much simpler. As long as there are four processes, i.e. public maintenance, listing, online signing, transfer of ownership, tax payment, certificate and house delivery, and only two sides of the transaction are involved.
Second hand house is not like a new house with many details to deal with. We should be cautious. Before buying a house, we must preview the preparation work of buying a house in advance, which not only saves time, but also doesn't waste energy, so as to avoid being in a hurry at that time. After reading it, we hope to help everyone.