Now the house price is high, the second-hand house is also a choice. Many friends want to buy the second-hand house by loan, but they don't know the loan transfer process of the second-hand house very well. The following small edit collated, purchase second-hand house transfer in the common problems, let you buy house transfer no longer worry.
What is the process of second-hand house transfer?
The first step is to investigate the property rights of the house. To examine and verify the integrity, authenticity and reliability of the property right of the house, it is necessary to pay attention to whether the name of the owner on the property right certificate is consistent with that of the seller, whether there is mortgage or co owner, etc.
The second step is to sign the second-hand house sales contract.
The third step is to find an evaluation company for evaluation. This process generally takes 5-7 working days.
The fourth step, the loan house to deal with the relevant mortgage business. If it is a combination of provident fund loans and commercial loans, it is necessary to apply to the provident fund and the bank at the same time. This is a time-consuming stage in the whole second-hand house self trading process, which usually takes about 40 working days.
Step five: after the mortgage is handled, we should pay attention to the cancellation of other warrants of the property.
The sixth step is to hand the contract to the property right transaction window of the housing management department and get the acceptance form.
Step 7: pay the relevant taxes to the agricultural tax center with the acceptance form and get the deed tax payment certificate.
Step 8: go to the land administration department to apply for the land certificate with the tax payment deed certificate.
Step 9: go to the real estate management department to apply for the real estate certificate with the tax payment deed certificate.
If the payment is made in full, the third and fourth procedures can be omitted. After these steps, the three real estate certificates have been completed. The whole process takes about a month and a half to two months.
What materials are needed for the transfer of second-hand houses?
The house ownership certificate, the identity certificate of the buyer and the seller, the marriage status certificate of the seller of the house, the house file verification certificate, the purchase and sale contract and other materials that the house registration authority deems necessary.
Documents required by the seller: 1. Identity certificate (temporary residence certificate is required for non local account); 2. Real estate certificate; 3. Online housing sales agreement; 4. Tax payment certificate.
Documents required by the buyer: 1. Identity certificate (temporary residence certificate is required for non local account); 2. Online housing sales agreement; 3. Tax payment certificate.
How long can I get the real estate certificate after the transfer?
1. Generally speaking, from entering the trading center, i.e. all materials from home and abroad enter the trading center, the transaction transfer and tax payment are completed, and a receipt received after the transaction transfer is completed on the same day will be used to collect the property certificate in about 20 days.
2. If you have a loan, you need to go to the bank first. The bank usually lends the loan to the previous account within 5-10 working days with the property certificate. After you get home, you can get the property certificate. That is to say, if you have a loan, you need to go to the bank for about 25 days to 1 month. If you make a one-time payment, you need to go to the bank for about 20 days. (Note: the time for each place to apply for the real estate certificate is different. We still need to follow the local policy. )