1) When buying and selling second-hand houses, the payment method of house payment is generally full payment and loan. For the seller, if the buyer buys a house in full, the seller needs to collect four categories, including deposit, house payment, delivery deposit and cancellation deposit; If the buyer borrows money to buy a house, the seller needs to collect five categories of items. The order of collection is deposit, down payment, loan part, property delivery deposit and cancellation deposit.

Deposit: After the buyer and the seller sign the deposit agreement for house purchase and sale, they will be transferred through the supervision of third-party funds or paid by themselves.

Arrival time: usually the day of signing the contract.

2) Down payment: After the buyer and the seller sign the house sales contract, before the house transfer formalities, the specific date will be negotiated by both parties, and the funds will be transferred through the supervision of a third party, and very few of them will pay by themselves.

Arrival time: generally not later than the second working day after transfer.

Loan part: After the transfer formalities are completed, the new real estate license will be paid directly to the owner by the loan bank after the mortgage formalities are completed.

Arrival time: provident fund loans are generally 15 working days after transfer; Commercial loan 15 to 25 working days; Portfolio loans are generally 25 working days after transfer.

Property delivery deposit: after both parties handle the handover procedures, if there is no objection, the reserved property delivery deposit will be transferred in the form of third-party supervision or self-payment.

Arrival time: usually 1 to 2 days.

3) Deposit for account removal: After the handover procedures are completed by both parties, the deposit for account removal will be transferred through third-party supervision or self-payment, if the buyer confirms that the account has been removed.

Arrival time: after the transfer, the account can be transferred to the account after it is confirmed that the account has moved out.

Summary:

Step-by-step collection, on the one hand, ensures the buyer's rights and interests, on the other hand, ensures that the seller receives the loan within a reasonable time. Buyers and sellers can control the real estate transaction process according to the above five aspects. After all, the house payment is not small, and buying and selling a house is a major event in life. In order to ensure the safety of funds, you can also choose a formal real estate agent to supervise third-party funds.