Nowadays, more and more people are buying second-hand houses, but many people do not know much about the transfer process, so they feel very headache. At the same time, there are many issues to pay attention to when transferring ownership. Yes, only if you have some understanding of the transfer of second-hand houses can you proceed with the transfer. Let’s talk about the transfer process of second-hand houses? What issues should be paid attention to when transferring a second-hand house? Let’s take a look together.

Second-hand house transaction transfer process

1. Interview:

After the buyer and seller sign the sales contract, if you need a loan, you first need to contact the bank to apply for a bank loan. . Specific processing method: Both the buyer and the seller need to bring the relevant documents required by the bank and go to the bank branch to sign the loan contract issued by the bank. The loan will be approved after 7-10 working days.

2. Public maintenance, listing, and online signing:

While waiting for loan approval, handle the payment of public maintenance funds, listing announcement, and online signing matters. Note: The order of the three is to submit it to the public security agency first, then list it, and then go online to sign the contract. If the buyer and seller complete the transaction on their own, they can go to the real estate trading center to handle it; if the buyer and seller use an intermediary to complete the transaction, the corresponding intermediary agency can handle the transaction, but they must negotiate in advance whether additional fees are required.

3. Loan approval:

Buyers first apply for a second-hand housing loan from the bank. After the bank reviews the materials of both parties, if the application meets the loan conditions, the bank will issue a loan approval letter and approve the loan. , and then the bank issues a mortgage contract before the transfer.

4. Transfer and pay taxes:

After the bank approves the loan, you can go through the transfer procedures, and you can usually pay taxes on the same day. Buyers, sellers and bank staff are required to be present and bring relevant materials. First, go through the registration and collection business. The real estate trading center will take back the original real estate certificate and issue a receipt, and then pay the tax with the receipt and relevant documents for tax exemption.

5. Obtain the certificate:

After passing the second-level approval, you can go to the real estate trading center to obtain the real estate certificate and other warrants. The property owner must bring the receipt and ID card to obtain the real estate certificate, and the bank staff will obtain the mortgage certificate, that is, the other certificate.

6. House delivery:

After obtaining the real estate certificate, you can handle the property delivery, which is the house delivery. Note that when handling the property delivery, the seller must settle the fees for water, electricity, coal, cable TV, broadband, telephone, heating, property, etc., and then both parties go through the name change procedures.

Except for the cable TV certificate, which requires the cooperation of the seller, the buyer can apply for other certificates by bringing the real estate certificate and ID card. The most important thing is to bring the real estate certificate and ID card to the police station where the house is located to verify whether the seller's household registration has moved out. If not, a deposit for household registration relocation must be reserved.

7. Loan:

The last step is to lend. After the bank obtains the other warrants, it will lend money to the seller within 5-10 working days. Please consult the lending bank for the specific time. At this point, the entire loan house purchase process is truly over. Compared with buying a house with a loan, buying a house with full payment is much simpler. There are only four processes: paying public maintenance, listing, online signing, transferring ownership and paying taxes, obtaining certificates and handing over the house, and only the buyer and seller need to be present.

What issues need to be paid attention to when transferring a second-hand house

1. Verify whether the property rights of the house are defective, whether the owner of the house agrees to transfer the house, and whether the house is mortgaged or rented , as an investment, etc.; some houses have multiple owners, and the buyer should sign a house sales contract with all owners.

2. Try to pay the house price after the property rights are transferred, or pay the house price by deposit to minimize the risk.

3. Understand and verify the payment and settlement of other fees such as public maintenance funds, property fees, etc., and implement transfer and other related procedures.

4. Some second-hand houses are still rented by others when they are transferred. If the buyer only looks at the property certificate and only pays attention to the transfer procedures without paying attention to whether there is a lease, the buyer is very likely to get a property that cannot be moved in in time or is in use.

This article introduces to you all the knowledge about the transfer process of second-hand houses and what issues need to be paid attention to when transferring second-hand houses. When we buy, we must know the specific situation of the house, and we must also know about the house. At the same time, we must know the transfer time and some responsibilities for breach of contract, so as to avoid disputes in the future. Therefore, when we buy a house, we must transfer the ownership quickly to avoid the seller delaying the application for the title certificate.