Now whether it's marriage or divorce, it will involve the issue of housing property rights, so what procedures do couples need for house transfer after divorce? How to charge the house transfer fee? Let's have a look.
1、 How to transfer the ownership of a divorced house
Generally speaking, mortgage housing transfer must first pay off bank loans. To solve the problem of how to transfer the ownership of mortgage housing after divorce, we should first understand the specific aspects of the transfer of mortgage housing after divorce. Specifically, the transfer of mortgage housing after divorce generally includes the following three types:
1. Transfer the mortgage house jointly owned by the divorced parties to one of the original husband and wife
In this case, to solve the problem of how to transfer the ownership of the mortgage house after divorce, both parties need to apply for the registration of the ownership of the divorce house, change the name registration of both parties to the original husband and wife, and continue to pay the mortgage by the transferred party according to the relevant provisions.
2. Transfer the mortgage house owned by one divorce party to the other
If this is the case, the bank loan needs to be paid off. If the loan can not be paid off temporarily, the divorced party can apply to another bank for mortgage transfer in his own name, and mortgage the house property certificate of the bank for transfer.
In addition, if one party applies for registration unilaterally, it can handle the transfer of ownership through the following two ways: first, if the ownership of the real estate is specified in the divorce agreement and the unilateral handling of procedures, it can handle the merger procedures unilaterally by virtue of the divorce agreement, divorce certificate, ID card and other supporting materials that the registration agency considers necessary; second, it can apply to the court for compulsory execution.
3. Transfer the mortgage house shared by both parties to a third party
In this case, in order to solve the problem of how to transfer the ownership of the mortgage house after divorce, both parties must pay off the bank loan or the third party must pay off the loan for both parties before they can perform the corresponding transfer procedures.
2、 Transfer fee
1. Tax category: deed tax (house area < 90 m2, proportion 1%; 90 M2 & le; house area < 140 m2, proportion 1.5%; house area & Ge; 140 m2, proportion 3%), decal cost 5 yuan / set.
2. Fees: registration fee 80 yuan, handling fee 2%, production cost 20 yuan.
The above is about the introduction of how to transfer the ownership of the house with loan in divorce and the transfer fee. If the divorced couple wants to divide the joint property of the husband and wife, the behavior of the party who owns the property right of the joint property is the change of the joint property right of the real estate. After the division of the real estate in divorce, both parties should handle the real estate transfer as soon as possible, so as to avoid more troubles after a long time.