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Mortgage housing entrusted to the intermediary transfer to others can? Mortgage housing must be entr

Now most of the houses are loans. If they can't be sold, isn't the property market bleak? Mortgage housing entrusted to the intermediary transfer to others can? Mortgage housing must be entrusted to intermediary companies? Let's take a look at the details.

Intermediary will buy a house for loans, intermediary will give your house flat loan, this is not called a matter

The house in the loan, if you want to sell, is the seller take money or find a guarantee company to redeem the house from the bank, and then do the transfer. As for whether to sell the house or the seller, it depends on your own negotiation, but even if you buy the house, he will not directly pay cash to the bank to help you redeem the house, which is a great risk. They usually go to the mortgage company for redemption. If he bought a house with full cash, he didn't make a loan. Usually, the down payment will be paid in advance when buying a house, and the mantissa will be given to you after the house is transferred. But now most of the people who buy houses are making loans, so the transaction process is a bit complicated. As for the transaction steps, they are as follows:

For example, your house has a loan from bank a and still owes the bank 500000 yuan. The other party sells your house with a mortgage of 1 million yuan through bank B. Then you must redeem the house property certificate from this bank with 500000 yuan, and then go to apply for the house property certificate transfer. If you don't have so much money on hand, you can find a guarantee company to redeem the house property certificate (the guarantee company specializes in redeeming buildings, and the cost is about several thousand yuan).

Step 1: the buyer and the seller go to bank B where the buyer applies for mortgage to handle the down payment supervision. It means that the down payment of the other party's purchase of your house should be frozen by bank B. No one can move during this period. For example, if the buyer applied for a mortgage of 700000 yuan and paid 300000 yuan as the down payment, if the buyer paid you a deposit before, the deposit should be in the down payment. For example, the deposit he gave you was 50000 yuan. So the down payment he paid at this time is only 250000.

Step 2: sell the house to the notary office and entrust the house notarization to the ransom company, so that the ransom company has the right to accept your house (the ransom company only has the right to deal with your house, but the property right of the house still belongs to you). Then wait for the company to go to bank a to redeem your house property certificate. It will take about a month.

Step 3: after the house property certificate is redeemed, the buyer and the seller go to the land and Resources Bureau to handle the house property transfer. The time of this process may vary from region to region. In Shenzhen, it takes only three weeks. The taxes and transaction fees generated by selling houses are also paid at the time of ownership transfer.

Step 4: after the transfer procedure is completed, the real estate certificate of the house has been updated to the name of the buyer. At this time, bank B will immediately give you the down payment of 250000 previously paid by the buyer.

Step 5: the guarantee company will take the new buyer's house property certificate to bank B for low pressure, and then bank B will release 700000 yuan of the house loan to the guarantee company. And the guarantee company will deduct the 500000 yuan you owe from bank a and give you the remaining 200000 yuan.

You sell your house for 1 million, owe the bank 500000, and you get 500000. The deposit you received at the beginning is 50000 yuan, plus the down payment you received later is 250000 yuan, plus the final balance is 200000 yuan, which is the total amount of 500000 yuan you get.

I have said it as carefully as possible. I hope my answer can help you understand the procedure of buying and selling houses. When you sold this house, did you go through a real estate agent, if so. You can ask them anything you don't understand. They are obliged to serve you.