When we deal with housing transactions, the name change of real estate certificate is mainly divided into sales, gift, direct addition and other forms, so what about the developer's renamed loan? How to change the name of the loan house? Let's have a look.
Can the loan house be renamed?
According to the "opinions on stabilizing housing prices", if the pre-sale commercial housing is not completed, the pre purchaser shall not transfer it again. At the same time, before the pre-sale commercial housing is completed and delivered, and the pre purchaser obtains the housing property right certificate, the real estate department shall not handle the transfer and other procedures for it.
In addition, if the house property right applicant is inconsistent with the pre purchaser specified in the pre-sale contract, the house ownership registration authority shall not go through the house ownership registration procedures for him. From this we can see that if the purchase contract has been put on record, we can not go through the procedures of renaming.
How to change the name of the loan house?
In fact, the procedure of renaming refers to the renaming of the real estate certificate. The materials to be provided for renaming include: the house ownership certificate, the identity certificates of the buyer and the seller, the marriage status certificate of the house seller, the house verification certificate, the contract of sale and purchase, and other materials that the house registration agency considers necessary.
1. If the real estate certificate is renamed without real estate agency, the terms of the contract and breach of contract must be clearly written. When signing the contract, the parties named on the real estate certificate of the seller must be present (if they are married, they need to be present and signed by both husband and wife, even if there is only one person's name on the real estate certificate).
2. If there is no problem with the materials, go to the real estate bureau and fill in some forms and an inventory contract. The amount on the inventory contract must be the same as that on the contract. Materials are given to the real estate bureau, there will be a receipt, must be in the above stated date to pay taxes, generally need about 15 working days. After paying taxes, you can get a new house property certificate.
3. In addition to donation, the house property certificate can also be renamed in the form of second-hand house sale. The real estate certificate is renamed in the form of sale, and its gift value tax, deed tax, personal income tax, stamp duty, handling charge, registration fee, etc. vary according to the situation of the house. During the period of marriage, real estate belongs to the common property of husband and wife, even if only one person's name is written on the real estate certificate, it is also the common property of two people.
The above is about the procedures of changing the name of the loan house. When the documents of the handler are complete, the time limit for the real estate certificate is about 20 working days. If the real estate certificate has no mortgage loan, the name can be changed and the ownership can be transferred on the same day. The process of changing the name of the real estate will vary according to the different forms of changing the name of the house.